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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 | $64,796 | $84,236-23.1% | $170,435-62.0% | $70,126-7.6% |
| Participation rate | 92.7% | 70.8%+21.9pp | 83.6%+9.1pp | 69.5%+23.1pp |
| Annual return | 12.80% | 23.06%-10.3pp | 205.94%-193.1pp | 73.15%-60.4pp |
| Employer contribution / active EE | $1,861 | $3,387-45.1% | $5,432-65.7% | $2,343-20.6% |
| Participant deferral / active EE | $0 | $3,086-100.0% | $4,939-100.0% | $3,332-100.0% |
| Admin fee / account holder | $1,392 | $5,698-75.6% | $13,881-90.0% | $4,645-70.0% |