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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 | $57,410 | $70,430-18.5% | $96,572-40.6% | $85,851-33.1% |
| Participation rate | 81.8% | 61.8%+20.0pp | 69.8%+12.0pp | 69.3%+12.5pp |
| Annual return | 13.45% | 18.58%-5.1pp | 37.79%-24.3pp | 318.63%-305.2pp |
| Employer contribution / active EE | $1,660 | $1,413+17.5% | $2,357-29.6% | $2,565-35.3% |
| Participant deferral / active EE | $5,341 | $2,894+84.5% | $3,850+38.7% | $3,952+35.1% |
| Admin fee / account holder | $5,429 | $4,996+8.7% | $6,183-12.2% | $6,261-13.3% |