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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 | $52,732 | $56,063-5.9% | $76,051-30.7% | $80,911-34.8% |
| Participation rate | 72.6% | 62.0%+10.5pp | 69.1%+3.5pp | 67.6%+4.9pp |
| Annual return | 16.18% | 20.54%-4.4pp | 360.42%-344.2pp | 35.63%-19.4pp |
| Employer contribution / active EE | $1,291 | $1,874-31.1% | $2,690-52.0% | $2,756-53.1% |
| Participant deferral / active EE | $3,884 | $3,052+27.2% | $4,257-8.8% | $4,297-9.6% |
| Admin fee / account holder | $6,622 | $5,240+26.4% | $6,416+3.2% | $6,935-4.5% |