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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 | $58,713 | $98,766-40.6% | $149,730-60.8% | $79,852-26.5% |
| Participation rate | 81.5% | 75.8%+5.7pp | 82.5%-1.0pp | 69.6%+11.8pp |
| Annual return | 25.39% | 27.43%-2.0pp | 276.70%-251.3pp | 31.72%-6.3pp |
| Employer contribution / active EE | $967 | $3,217-69.9% | $4,645-79.2% | $2,471-60.9% |
| Participant deferral / active EE | $4,088 | $5,681-28.0% | $6,843-40.3% | $3,740+9.3% |
| Admin fee / account holder | $3,982 | $6,052-34.2% | $9,310-57.2% | $5,306-25.0% |