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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 | $31,240 | $98,776-68.4% | $149,745-79.1% | $79,856-60.9% |
| Participation rate | 90.6% | 75.8%+14.8pp | 82.5%+8.1pp | 69.6%+21.0pp |
| Annual return | 18.44% | 27.38%-8.9pp | 276.72%-258.3pp | 31.71%-13.3pp |
| Employer contribution / active EE | $1,406 | $3,217-56.3% | $4,646-69.7% | $2,471-43.1% |
| Participant deferral / active EE | $5,450 | $5,681-4.1% | $6,843-20.4% | $3,741+45.7% |
| Admin fee / account holder | $1,468 | $6,053-75.7% | $9,312-84.2% | $5,306-72.3% |