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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 | $58,312 | $85,060-31.4% | $70,548-17.3% | $139,456-58.2% |
| Participation rate | 73.7% | 73.9%-0.2pp | 68.3%+5.3pp | 80.3%-6.6pp |
| Annual return | 23.62% | 30.38%-6.8pp | 32.78%-9.2pp | 373.45%-349.8pp |
| Employer contribution / active EE | $3,081 | $3,911-21.2% | $2,975+3.6% | $4,753-35.2% |
| Participant deferral / active EE | $7,592 | $5,890+28.9% | $4,567+66.2% | $6,711+13.1% |
| Admin fee / account holder | $3,115 | $8,925-65.1% | $6,424-51.5% | $11,407-72.7% |