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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 | $63,527 | $117,859-46.1% | $102,438-38.0% | $145,959-56.5% |
| Participation rate | 93.8% | 78.6%+15.2pp | 76.5%+17.3pp | 80.3%+13.5pp |
| Annual return | 13.04% | 31.72%-18.7pp | 29.37%-16.3pp | 561.95%-548.9pp |
| Employer contribution / active EE | $1,708 | $3,615-52.7% | $3,024-43.5% | $4,661-63.3% |
| Participant deferral / active EE | $3,740 | $5,732-34.8% | $5,054-26.0% | $6,689-44.1% |
| Admin fee / account holder | $721 | $13,318-94.6% | $9,448-92.4% | $13,398-94.6% |