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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 | $48,005 | $93,589-48.7% | $135,942-64.7% | $75,181-36.1% |
| Participation rate | 77.4% | 75.2%+2.2pp | 81.9%-4.5pp | 67.2%+10.2pp |
| Annual return | 16.22% | 30.90%-14.7pp | 68.28%-52.1pp | 160.69%-144.5pp |
| Employer contribution / active EE | $927 | $3,537-73.8% | $4,858-80.9% | $2,671-65.3% |
| Participant deferral / active EE | $8,238 | $6,405+28.6% | $7,759+6.2% | $4,126+99.7% |
| Admin fee / account holder | $1,278 | $6,977-81.7% | $10,764-88.1% | $5,650-77.4% |