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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 | $39,074 | $117,895-66.9% | $102,460-61.9% | $145,897-73.2% |
| Participation rate | 85.7% | 78.6%+7.1pp | 76.5%+9.2pp | 80.3%+5.4pp |
| Annual return | 10.48% | 31.92%-21.4pp | 29.47%-19.0pp | 552.29%-541.8pp |
| Employer contribution / active EE | $3,829 | $3,619+5.8% | $3,025+26.6% | $4,663-17.9% |
| Participant deferral / active EE | $5,958 | $5,736+3.9% | $5,056+17.8% | $6,689-10.9% |
| Admin fee / account holder | $3,026 | $13,353-77.3% | $9,460-68.0% | $13,390-77.4% |