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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 | $66,782 | $98,776-32.4% | $149,745-55.4% | $79,856-16.4% |
| Participation rate | 72.8% | 75.8%-3.0pp | 82.5%-9.7pp | 69.6%+3.2pp |
| Annual return | 20.98% | 27.38%-6.4pp | 276.72%-255.7pp | 31.71%-10.7pp |
| Employer contribution / active EE | $2,311 | $3,217-28.2% | $4,646-50.3% | $2,471-6.5% |
| Participant deferral / active EE | $5,114 | $5,681-10.0% | $6,843-25.3% | $3,741+36.7% |
| Admin fee / account holder | $675 | $6,053-88.8% | $9,312-92.8% | $5,306-87.3% |