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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 | $33,215 | $98,776-66.4% | $149,745-77.8% | $79,856-58.4% |
| Participation rate | 84.2% | 75.8%+8.4pp | 82.5%+1.7pp | 69.6%+14.6pp |
| Annual return | 23.57% | 27.38%-3.8pp | 276.72%-253.2pp | 31.71%-8.1pp |
| Employer contribution / active EE | $3,514 | $3,217+9.2% | $4,646-24.4% | $2,471+42.2% |
| Participant deferral / active EE | $7,552 | $5,681+32.9% | $6,843+10.4% | $3,741+101.9% |
| Admin fee / account holder | $1,434 | $6,053-76.3% | $9,312-84.6% | $5,306-73.0% |