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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 | $56,640 | $65,361-13.3% | $92,903-39.0% | $72,983-22.4% |
| Participation rate | 93.5% | 68.3%+25.2pp | 76.0%+17.5pp | 69.5%+24.1pp |
| Annual return | 21.42% | 42.11%-20.7pp | 109.43%-88.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $1,173 | $2,594-54.8% | $3,653-67.9% | $2,440-51.9% |
| Participant deferral / active EE | $7,125 | $3,128+127.8% | $4,238+68.1% | $3,608+97.5% |
| Admin fee / account holder | $3,916 | $4,251-7.9% | $5,795-32.4% | $5,124-23.6% |