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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 | $26,434 | $124,351-78.7% | $109,188-75.8% | $167,553-84.2% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.9%+4.1pp | 82.1%-2.1pp |
| Annual return | 13.77% | 26.04%-12.3pp | 25.76%-12.0pp | 478.89%-465.1pp |
| Employer contribution / active EE | $2,079 | $4,210-50.6% | $3,723-44.2% | $4,840-57.0% |
| Participant deferral / active EE | $4,833 | $5,257-8.1% | $4,654+3.8% | $6,343-23.8% |
| Admin fee / account holder | $4,579 | $7,975-42.6% | $6,755-32.2% | $12,316-62.8% |