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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 | $63,176 | $116,190-45.6% | $93,614-32.5% | $152,885-58.7% |
| Participation rate | 82.4% | 78.0%+4.3pp | 75.8%+6.5pp | 82.5%-0.1pp |
| Annual return | 23.16% | 35.96%-12.8pp | 32.76%-9.6pp | 345.39%-322.2pp |
| Employer contribution / active EE | $2,266 | $3,219-29.6% | $2,718-16.6% | $4,763-52.4% |
| Participant deferral / active EE | $5,403 | $4,604+17.4% | $4,069+32.8% | $5,851-7.6% |
| Admin fee / account holder | $1,026 | $10,749-90.5% | $7,889-87.0% | $11,598-91.2% |