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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 | $82,339 | $84,236-2.3% | $170,435-51.7% | $70,126+17.4% |
| Participation rate | 71.0% | 70.8%+0.1pp | 83.6%-12.6pp | 69.5%+1.4pp |
| Annual return | 13.79% | 23.06%-9.3pp | 205.94%-192.2pp | 73.15%-59.4pp |
| Employer contribution / active EE | $892 | $3,387-73.7% | $5,432-83.6% | $2,343-61.9% |
| Participant deferral / active EE | $2,443 | $3,086-20.8% | $4,939-50.5% | $3,332-26.7% |
| Admin fee / account holder | $2,614 | $5,698-54.1% | $13,881-81.2% | $4,645-43.7% |