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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 | $61,640 | $77,920-20.9% | $149,723-58.8% | $75,177-18.0% |
| Participation rate | 83.9% | 65.6%+18.3pp | 78.8%+5.1pp | 67.2%+16.7pp |
| Annual return | 17.45% | 31.72%-14.3pp | 134.50%-117.0pp | 160.75%-143.3pp |
| Employer contribution / active EE | $3,801 | $3,138+21.1% | $4,821-21.2% | $2,671+42.3% |
| Participant deferral / active EE | $3,409 | $3,411-0.1% | $5,682-40.0% | $4,126-17.4% |
| Admin fee / account holder | $2,073 | $5,951-65.2% | $13,215-84.3% | $5,651-63.3% |