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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 | $68,593 | $85,171-19.5% | $172,753-60.3% | $72,976-6.0% |
| Participation rate | 86.7% | 70.1%+16.6pp | 82.6%+4.0pp | 69.5%+17.2pp |
| Annual return | 17.50% | 27.32%-9.8pp | 803.00%-785.5pp | 81.02%-63.5pp |
| Employer contribution / active EE | $1,929 | $3,324-42.0% | $5,144-62.5% | $2,440-20.9% |
| Participant deferral / active EE | $3,967 | $3,260+21.7% | $5,198-23.7% | $3,608+10.0% |
| Admin fee / account holder | $884 | $5,880-85.0% | $13,956-93.7% | $5,124-82.8% |