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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 | $81,627 | $98,776-17.4% | $149,745-45.5% | $79,856+2.2% |
| Participation rate | 72.4% | 75.8%-3.4pp | 82.5%-10.1pp | 69.6%+2.8pp |
| Annual return | 16.59% | 27.38%-10.8pp | 276.72%-260.1pp | 31.71%-15.1pp |
| Employer contribution / active EE | $2,407 | $3,217-25.2% | $4,646-48.2% | $2,471-2.6% |
| Participant deferral / active EE | $4,867 | $5,681-14.3% | $6,843-28.9% | $3,741+30.1% |
| Admin fee / account holder | $562 | $6,053-90.7% | $9,312-94.0% | $5,306-89.4% |