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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 | $86,500 | $117,895-26.6% | $102,460-15.6% | $145,897-40.7% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 13.61% | 31.92%-18.3pp | 29.47%-15.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $1,423 | $3,619-60.7% | $3,025-53.0% | $4,663-69.5% |
| Participant deferral / active EE | $4,179 | $5,736-27.1% | $5,056-17.3% | $6,689-37.5% |
| Admin fee / account holder | $4,031 | $13,353-69.8% | $9,460-57.4% | $13,390-69.9% |