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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 | $40,975 | $117,895-65.2% | $102,460-60.0% | $145,897-71.9% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 12.29% | 31.92%-19.6pp | 29.47%-17.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $1,593 | $3,619-56.0% | $3,025-47.3% | $4,663-65.8% |
| Participant deferral / active EE | $5,882 | $5,736+2.5% | $5,056+16.3% | $6,689-12.1% |
| Admin fee / account holder | $1,461 | $13,353-89.1% | $9,460-84.6% | $13,390-89.1% |