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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 | $64,674 | $100,073-35.4% | $85,126-24.0% | $145,877-55.7% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 11.95% | 84.11%-72.2pp | 66.63%-54.7pp | 551.28%-539.3pp |
| Employer contribution / active EE | $2,539 | $3,236-21.6% | $2,731-7.0% | $4,663-45.6% |
| Participant deferral / active EE | $10,714 | $5,294+102.4% | $4,523+136.9% | $6,691+60.1% |
| Admin fee / account holder | $2,030 | $7,261-72.0% | $6,160-67.1% | $13,402-84.9% |