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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 | $69,395 | $70,430-1.5% | $96,572-28.1% | $85,851-19.2% |
| Participation rate | 79.7% | 61.8%+17.9pp | 69.8%+9.9pp | 69.3%+10.4pp |
| Annual return | 14.90% | 18.58%-3.7pp | 37.79%-22.9pp | 318.63%-303.7pp |
| Employer contribution / active EE | $807 | $1,413-42.9% | $2,357-65.8% | $2,565-68.5% |
| Participant deferral / active EE | $3,497 | $2,894+20.8% | $3,850-9.2% | $3,952-11.5% |
| Admin fee / account holder | $14,929 | $4,996+198.8% | $6,183+141.4% | $6,261+138.4% |