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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 | $72,100 | $65,027+10.9% | $90,970-20.7% | $79,852-9.7% |
| Participation rate | 93.9% | 61.6%+32.3pp | 69.0%+24.9pp | 69.6%+24.3pp |
| Annual return | 15.68% | 30.45%-14.8pp | 134.58%-118.9pp | 31.72%-16.0pp |
| Employer contribution / active EE | $1,826 | $1,247+46.4% | $2,122-13.9% | $2,471-26.1% |
| Participant deferral / active EE | $4,938 | $2,512+96.6% | $3,373+46.4% | $3,740+32.0% |
| Admin fee / account holder | $2,192 | $4,535-51.7% | $5,960-63.2% | $5,306-58.7% |