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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 | $75,393 | $107,421-29.8% | $182,262-58.6% | $94,015-19.8% |
| Participation rate | 86.5% | 77.8%+8.7pp | 84.2%+2.3pp | 70.8%+15.7pp |
| Annual return | 15.87% | 21.32%-5.4pp | 140.60%-124.7pp | 17.84%-2.0pp |
| Employer contribution / active EE | $1,636 | $3,448-52.5% | $5,046-67.6% | $2,790-41.3% |
| Participant deferral / active EE | $5,020 | $6,558-23.5% | $8,276-39.3% | $4,249+18.1% |
| Admin fee / account holder | $1,546 | $8,692-82.2% | $16,712-90.8% | $8,951-82.7% |