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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 | $57,225 | $103,392-44.7% | $87,104-34.3% | $152,897-62.6% |
| Participation rate | 77.8% | 79.4%-1.6pp | 76.9%+0.9pp | 82.5%-4.7pp |
| Annual return | 20.63% | 28.10%-7.5pp | 28.19%-7.6pp | 345.43%-324.8pp |
| Employer contribution / active EE | $887 | $3,221-72.5% | $2,521-64.8% | $4,764-81.4% |
| Participant deferral / active EE | $6,269 | $4,778+31.2% | $4,048+54.9% | $5,851+7.1% |
| Admin fee / account holder | $1,107 | $12,194-90.9% | $7,491-85.2% | $11,599-90.5% |