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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 | $68,576 | $88,672-22.7% | $105,223-34.8% | $82,448-16.8% |
| Participation rate | 78.4% | 67.9%+10.5pp | 75.0%+3.3pp | 68.1%+10.3pp |
| Annual return | 16.52% | 30.86%-14.3pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,379 | $3,048-21.9% | $3,689-35.5% | $2,551-6.7% |
| Participant deferral / active EE | $6,240 | $4,036+54.6% | $5,072+23.0% | $4,139+50.7% |
| Admin fee / account holder | $2,394 | $7,146-66.5% | $8,859-73.0% | $7,234-66.9% |