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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 | $117,829-26.6% | $102,423-15.5% | $145,877-40.7% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 13.61% | 31.83%-18.2pp | 29.42%-15.8pp | 551.28%-537.7pp |
| Employer contribution / active EE | $1,423 | $3,615-60.6% | $3,023-52.9% | $4,663-69.5% |
| Participant deferral / active EE | $4,179 | $5,732-27.1% | $5,054-17.3% | $6,691-37.5% |
| Admin fee / account holder | $4,031 | $13,335-69.8% | $9,455-57.4% | $13,402-69.9% |