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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 | $72,982 | $91,198-20.0% | $178,503-59.1% | $79,856-8.6% |
| Participation rate | 78.4% | 69.2%+9.2pp | 81.9%-3.6pp | 69.6%+8.7pp |
| Annual return | 16.90% | 24.20%-7.3pp | 151.12%-134.2pp | 31.71%-14.8pp |
| Employer contribution / active EE | $1,239 | $3,257-62.0% | $5,011-75.3% | $2,471-49.9% |
| Participant deferral / active EE | $2,505 | $3,237-22.6% | $5,202-51.8% | $3,741-33.0% |
| Admin fee / account holder | $333 | $6,748-95.1% | $13,987-97.6% | $5,306-93.7% |