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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 | $66,279 | $116,203-43.0% | $93,621-29.2% | $152,909-56.7% |
| Participation rate | 86.7% | 78.1%+8.6pp | 75.8%+10.8pp | 82.5%+4.2pp |
| Annual return | 18.05% | 35.96%-17.9pp | 32.76%-14.7pp | 345.46%-327.4pp |
| Employer contribution / active EE | $2,858 | $3,219-11.2% | $2,719+5.1% | $4,764-40.0% |
| Participant deferral / active EE | $2,075 | $4,605-54.9% | $4,070-49.0% | $5,851-64.5% |
| Admin fee / account holder | $4,885 | $10,751-54.6% | $7,890-38.1% | $11,601-57.9% |