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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 | $58,264 | $81,276-28.3% | $155,574-62.5% | $80,925-28.0% |
| Participation rate | 83.0% | 66.2%+16.7pp | 78.2%+4.8pp | 67.7%+15.3pp |
| Annual return | 12.46% | 33.36%-20.9pp | 64.87%-52.4pp | 35.65%-23.2pp |
| Employer contribution / active EE | $8,062 | $3,103+159.8% | $4,676+72.4% | $2,756+192.5% |
| Participant deferral / active EE | $3,524 | $3,453+2.1% | $5,629-37.4% | $4,299-18.0% |
| Admin fee / account holder | $1,124 | $7,993-85.9% | $15,914-92.9% | $6,940-83.8% |