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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 | $63,271 | $124,346-49.1% | $111,306-43.2% | $167,553-62.2% |
| Participation rate | 81.0% | 79.6%+1.3pp | 77.3%+3.6pp | 82.1%-1.2pp |
| Annual return | 13.48% | 37.46%-24.0pp | 54.67%-41.2pp | 478.89%-465.4pp |
| Employer contribution / active EE | $1,113 | $3,438-67.6% | $2,732-59.3% | $4,840-77.0% |
| Participant deferral / active EE | $4,622 | $5,182-10.8% | $4,488+3.0% | $6,343-27.1% |
| Admin fee / account holder | $1,571 | $10,623-85.2% | $7,966-80.3% | $12,316-87.2% |