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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 | $58,977 | $98,776-40.3% | $149,745-60.6% | $79,856-26.1% |
| Participation rate | 82.8% | 75.8%+7.0pp | 82.5%+0.3pp | 69.6%+13.1pp |
| Annual return | 14.77% | 27.38%-12.6pp | 276.72%-261.9pp | 31.71%-16.9pp |
| Employer contribution / active EE | $1,958 | $3,217-39.1% | $4,646-57.8% | $2,471-20.7% |
| Participant deferral / active EE | $7,346 | $5,681+29.3% | $6,843+7.4% | $3,741+96.4% |
| Admin fee / account holder | $2,742 | $6,053-54.7% | $9,312-70.6% | $5,306-48.3% |