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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 | $82,300 | $48,053+71.3% | $84,637-2.8% | $72,976+12.8% |
| Participation rate | 76.9% | 57.6%+19.3pp | 68.2%+8.7pp | 69.5%+7.4pp |
| Annual return | 23.75% | 37.39%-13.6pp | 258.82%-235.1pp | 81.02%-57.3pp |
| Employer contribution / active EE | $873 | $1,602-45.5% | $2,653-67.1% | $2,440-64.2% |
| Participant deferral / active EE | $6,502 | $2,681+142.6% | $3,900+66.7% | $3,608+80.2% |
| Admin fee / account holder | $3,205 | $3,395-5.6% | $4,914-34.8% | $5,124-37.5% |