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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 | $7,895 | $114,013-93.1% | $103,693-92.4% | $155,188-94.9% |
| Participation rate | 77.8% | 75.2%+2.6pp | 72.6%+5.1pp | 80.8%-3.0pp |
| Annual return | 23.42% | 49.31%-25.9pp | 47.61%-24.2pp | 148.84%-125.4pp |
| Employer contribution / active EE | $1,667 | $3,131-46.8% | $2,920-42.9% | $4,248-60.8% |
| Participant deferral / active EE | $1,215 | $4,970-75.6% | $4,579-73.5% | $6,531-81.4% |
| Admin fee / account holder | $2,617 | $8,407-68.9% | $7,858-66.7% | $14,480-81.9% |