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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 | $42,625 | $98,776-56.8% | $149,745-71.5% | $79,856-46.6% |
| Participation rate | 92.3% | 75.8%+16.5pp | 82.5%+9.8pp | 69.6%+22.7pp |
| Annual return | 14.64% | 27.38%-12.7pp | 276.72%-262.1pp | 31.71%-17.1pp |
| Employer contribution / active EE | $1,577 | $3,217-51.0% | $4,646-66.0% | $2,471-36.2% |
| Participant deferral / active EE | $6,543 | $5,681+15.2% | $6,843-4.4% | $3,741+74.9% |
| Admin fee / account holder | $10,422 | $6,053+72.2% | $9,312+11.9% | $5,306+96.4% |