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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 | $48,256 | $117,846-59.1% | $102,434-52.9% | $145,884-66.9% |
| Participation rate | 84.2% | 78.6%+5.6pp | 76.5%+7.7pp | 80.3%+3.9pp |
| Annual return | 12.91% | 31.90%-19.0pp | 29.46%-16.5pp | 551.85%-538.9pp |
| Employer contribution / active EE | $1,341 | $3,615-62.9% | $3,023-55.6% | $4,662-71.2% |
| Participant deferral / active EE | $5,360 | $5,733-6.5% | $5,055+6.0% | $6,690-19.9% |
| Admin fee / account holder | $715 | $13,356-94.6% | $9,462-92.4% | $13,392-94.7% |