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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 | $69,682 | $98,766-29.4% | $149,730-53.5% | $79,852-12.7% |
| Participation rate | 87.5% | 75.8%+11.7pp | 82.5%+5.0pp | 69.6%+17.9pp |
| Annual return | 14.73% | 27.43%-12.7pp | 276.70%-262.0pp | 31.72%-17.0pp |
| Employer contribution / active EE | $1,932 | $3,217-39.9% | $4,645-58.4% | $2,471-21.8% |
| Participant deferral / active EE | $4,151 | $5,681-26.9% | $6,843-39.3% | $3,740+11.0% |
| Admin fee / account holder | $5,532 | $6,052-8.6% | $9,310-40.6% | $5,306+4.3% |