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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 | $45,205 | $106,247-57.5% | $96,515-53.2% | $139,466-67.6% |
| Participation rate | 78.6% | 77.8%+0.7pp | 74.3%+4.2pp | 80.3%-1.8pp |
| Annual return | 21.24% | 38.47%-17.2pp | 35.73%-14.5pp | 373.66%-352.4pp |
| Employer contribution / active EE | $2,339 | $4,106-43.0% | $3,740-37.5% | $4,754-50.8% |
| Participant deferral / active EE | $4,820 | $5,456-11.7% | $4,880-1.2% | $6,712-28.2% |
| Admin fee / account holder | $750 | $7,885-90.5% | $6,735-88.9% | $11,409-93.4% |