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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 | $79,739 | $115,903-31.2% | $100,528-20.7% | $158,966-49.8% |
| Participation rate | 75.0% | 81.6%-6.6pp | 79.4%-4.4pp | 82.0%-7.0pp |
| Annual return | 33.81% | 34.80%-1.0pp | 30.90%+2.9pp | 302.95%-269.1pp |
| Employer contribution / active EE | $1,936 | $4,105-52.8% | $3,419-43.4% | $4,762-59.4% |
| Participant deferral / active EE | $7,681 | $6,677+15.0% | $6,271+22.5% | $5,983+28.4% |
| Admin fee / account holder | $1,079 | $11,000-90.2% | $8,084-86.6% | $11,250-90.4% |