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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 | $27,563 | $93,598-70.6% | $135,974-79.7% | $75,173-63.3% |
| Participation rate | 79.4% | 75.2%+4.2pp | 81.9%-2.5pp | 67.2%+12.2pp |
| Annual return | 44.28% | 30.89%+13.4pp | 68.30%-24.0pp | 160.72%-116.4pp |
| Employer contribution / active EE | $3,063 | $3,538-13.4% | $4,859-37.0% | $2,671+14.7% |
| Participant deferral / active EE | $6,852 | $6,405+7.0% | $7,760-11.7% | $4,126+66.1% |
| Admin fee / account holder | $1,065 | $6,978-84.7% | $10,767-90.1% | $5,651-81.2% |