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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 | $60,032 | $93,345-35.7% | $119,126-49.6% | $87,485-31.4% |
| Participation rate | 92.6% | 68.7%+23.9pp | 75.8%+16.8pp | 68.9%+23.7pp |
| Annual return | 12.60% | 19.08%-6.5pp | 282.11%-269.5pp | 26.06%-13.5pp |
| Employer contribution / active EE | $882 | $3,172-72.2% | $4,034-78.1% | $2,596-66.0% |
| Participant deferral / active EE | $5,252 | $4,099+28.1% | $5,318-1.2% | $4,274+22.9% |
| Admin fee / account holder | $2,672 | $8,039-66.8% | $10,693-75.0% | $7,775-65.6% |