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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 | $58,171 | $117,895-50.7% | $102,460-43.2% | $145,897-60.1% |
| Participation rate | 89.5% | 78.6%+10.8pp | 76.5%+13.0pp | 80.3%+9.2pp |
| Annual return | 12.41% | 31.92%-19.5pp | 29.47%-17.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $1,656 | $3,619-54.2% | $3,025-45.3% | $4,663-64.5% |
| Participant deferral / active EE | $3,065 | $5,736-46.6% | $5,056-39.4% | $6,689-54.2% |
| Admin fee / account holder | $1,533 | $13,353-88.5% | $9,460-83.8% | $13,390-88.5% |