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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 | $58,178 | $228,352-74.5% | $185,835-68.7% | $158,966-63.4% |
| Participation rate | 78.9% | 82.3%-3.4pp | 78.0%+0.9pp | 82.0%-3.0pp |
| Annual return | 11.85% | 40.81%-29.0pp | 35.96%-24.1pp | 302.95%-291.1pp |
| Employer contribution / active EE | $1,239 | $4,967-75.1% | $4,087-69.7% | $4,762-74.0% |
| Participant deferral / active EE | $3,562 | $6,416-44.5% | $5,633-36.8% | $5,983-40.5% |
| Admin fee / account holder | $883 | $11,867-92.6% | $9,502-90.7% | $11,250-92.2% |