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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 | $57,965 | $176,838-67.2% | $146,685-60.5% | $167,518-65.4% |
| Participation rate | 84.2% | 83.6%+0.6pp | 80.1%+4.1pp | 82.1%+2.1pp |
| Annual return | 16.37% | 24.04%-7.7pp | 22.75%-6.4pp | 478.71%-462.3pp |
| Employer contribution / active EE | $2,515 | $5,161-51.3% | $4,137-39.2% | $4,838-48.0% |
| Participant deferral / active EE | $3,994 | $6,441-38.0% | $5,507-27.5% | $6,342-37.0% |
| Admin fee / account holder | $483 | $13,262-96.4% | $10,281-95.3% | $12,312-96.1% |