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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 | $83,518 | $124,330-32.8% | $109,173-23.5% | $167,536-50.1% |
| Participation rate | 81.8% | 79.5%+2.4pp | 75.9%+5.9pp | 82.1%-0.3pp |
| Annual return | 13.23% | 26.04%-12.8pp | 25.75%-12.5pp | 478.82%-465.6pp |
| Employer contribution / active EE | $4,545 | $4,209+8.0% | $3,723+22.1% | $4,839-6.1% |
| Participant deferral / active EE | $3,923 | $5,256-25.4% | $4,654-15.7% | $6,342-38.1% |
| Admin fee / account holder | $2,925 | $7,974-63.3% | $6,755-56.7% | $12,315-76.2% |