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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 | $56,270 | $98,766-43.0% | $149,730-62.4% | $79,852-29.5% |
| Participation rate | 81.4% | 75.8%+5.6pp | 82.5%-1.1pp | 69.6%+11.8pp |
| Annual return | 15.43% | 27.43%-12.0pp | 276.70%-261.3pp | 31.72%-16.3pp |
| Employer contribution / active EE | $2,723 | $3,217-15.4% | $4,645-41.4% | $2,471+10.2% |
| Participant deferral / active EE | $5,999 | $5,681+5.6% | $6,843-12.3% | $3,740+60.4% |
| Admin fee / account holder | $4,593 | $6,052-24.1% | $9,310-50.7% | $5,306-13.4% |