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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 | $55,285 | $98,760-44.0% | $149,715-63.1% | $79,858-30.8% |
| Participation rate | 79.3% | 75.8%+3.5pp | 82.5%-3.2pp | 69.6%+9.7pp |
| Annual return | 13.99% | 27.43%-13.4pp | 276.66%-262.7pp | 31.72%-17.7pp |
| Employer contribution / active EE | $3,433 | $3,217+6.7% | $4,645-26.1% | $2,471+39.0% |
| Participant deferral / active EE | $7,331 | $5,681+29.0% | $6,842+7.1% | $3,740+96.0% |
| Admin fee / account holder | $2,679 | $6,053-55.7% | $9,310-71.2% | $5,306-49.5% |