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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 | $79,132 | $115,225-31.3% | $100,712-21.4% | $138,895-43.0% |
| Participation rate | 81.8% | 74.3%+7.5pp | 69.3%+12.5pp | 79.9%+1.9pp |
| Annual return | 12.36% | 40.35%-28.0pp | 33.27%-20.9pp | 145.39%-133.0pp |
| Employer contribution / active EE | $815 | $2,771-70.6% | $2,313-64.7% | $4,194-80.6% |
| Participant deferral / active EE | $3,704 | $4,699-21.2% | $4,085-9.3% | $6,396-42.1% |
| Admin fee / account holder | $3,895 | $10,844-64.1% | $9,256-57.9% | $12,562-69.0% |