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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 | $62,101 | $65,395-5.0% | $182,558-66.0% | $72,976-14.9% |
| Participation rate | 85.3% | 65.4%+19.9pp | 78.0%+7.3pp | 69.5%+15.8pp |
| Annual return | 23.21% | 27.68%-4.5pp | 148.59%-125.4pp | 81.02%-57.8pp |
| Employer contribution / active EE | $760 | $1,911-60.3% | $4,076-81.4% | $2,440-68.9% |
| Participant deferral / active EE | $5,695 | $3,563+59.8% | $5,526+3.1% | $3,608+57.8% |
| Admin fee / account holder | $703 | $4,245-83.4% | $8,594-91.8% | $5,124-86.3% |