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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 | $55,889-5.6% | $76,119-30.7% | $80,935-34.8% |
| Participation rate | 72.6% | 62.1%+10.5pp | 69.1%+3.5pp | 67.7%+4.9pp |
| Annual return | 16.18% | 20.58%-4.4pp | 361.25%-345.1pp | 35.66%-19.5pp |
| Employer contribution / active EE | $1,291 | $1,866-30.8% | $2,693-52.0% | $2,757-53.2% |
| Participant deferral / active EE | $3,884 | $3,051+27.3% | $4,259-8.8% | $4,299-9.7% |
| Admin fee / account holder | $6,622 | $5,241+26.3% | $6,421+3.1% | $6,924-4.4% |