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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,895 | $98,766-39.4% | $149,730-60.0% | $79,852-25.0% |
| Participation rate | 74.2% | 75.8%-1.5pp | 82.5%-8.2pp | 69.6%+4.6pp |
| Annual return | 14.28% | 27.43%-13.2pp | 276.70%-262.4pp | 31.72%-17.4pp |
| Employer contribution / active EE | $1,986 | $3,217-38.3% | $4,645-57.2% | $2,471-19.6% |
| Participant deferral / active EE | $3,686 | $5,681-35.1% | $6,843-46.1% | $3,740-1.4% |
| Admin fee / account holder | $2,458 | $6,052-59.4% | $9,310-73.6% | $5,306-53.7% |