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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 | $65,592 | $86,294-24.0% | $111,303-41.1% | $85,856-23.6% |
| Participation rate | 88.3% | 73.3%+15.0pp | 77.3%+11.0pp | 69.3%+19.0pp |
| Annual return | 34.28% | 19.99%+14.3pp | 54.66%-20.4pp | 318.58%-284.3pp |
| Employer contribution / active EE | $1,666 | $2,043-18.5% | $2,731-39.0% | $2,565-35.1% |
| Participant deferral / active EE | $2,050 | $3,641-43.7% | $4,487-54.3% | $3,952-48.1% |
| Admin fee / account holder | $5,210 | $8,189-36.4% | $7,966-34.6% | $6,261-16.8% |