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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 | $56,596 | $112,729-49.8% | $98,716-42.7% | $137,256-58.8% |
| Participation rate | 92.3% | 74.2%+18.1pp | 69.3%+23.0pp | 80.0%+12.3pp |
| Annual return | 16.83% | 38.48%-21.7pp | 31.81%-15.0pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,483 | $2,725-45.6% | $2,279-34.9% | $4,156-64.3% |
| Participant deferral / active EE | $5,855 | $4,640+26.2% | $4,048+44.7% | $6,407-8.6% |
| Admin fee / account holder | $675 | $10,129-93.3% | $8,703-92.2% | $12,270-94.5% |