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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 | $55,502 | $84,236-34.1% | $170,435-67.4% | $70,126-20.9% |
| Participation rate | 88.5% | 70.8%+17.6pp | 83.6%+4.9pp | 69.5%+18.9pp |
| Annual return | 16.34% | 23.06%-6.7pp | 205.94%-189.6pp | 73.15%-56.8pp |
| Employer contribution / active EE | $1,523 | $3,387-55.1% | $5,432-72.0% | $2,343-35.0% |
| Participant deferral / active EE | $2,981 | $3,086-3.4% | $4,939-39.6% | $3,332-10.5% |
| Admin fee / account holder | $939 | $5,698-83.5% | $13,881-93.2% | $4,645-79.8% |