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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 | $68,370 | $124,330-45.0% | $109,173-37.4% | $167,536-59.2% |
| Participation rate | 78.6% | 79.5%-0.9pp | 75.9%+2.7pp | 82.1%-3.5pp |
| Annual return | 14.97% | 26.04%-11.1pp | 25.75%-10.8pp | 478.82%-463.9pp |
| Employer contribution / active EE | $2,310 | $4,209-45.1% | $3,723-37.9% | $4,839-52.3% |
| Participant deferral / active EE | $5,231 | $5,256-0.5% | $4,654+12.4% | $6,342-17.5% |
| Admin fee / account holder | $594 | $7,974-92.5% | $6,755-91.2% | $12,315-95.2% |