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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 | $65,868 | $116,190-43.3% | $93,614-29.6% | $152,885-56.9% |
| Participation rate | 88.9% | 78.0%+10.8pp | 75.8%+13.1pp | 82.5%+6.4pp |
| Annual return | 23.19% | 35.96%-12.8pp | 32.76%-9.6pp | 345.39%-322.2pp |
| Employer contribution / active EE | $2,114 | $3,219-34.3% | $2,718-22.2% | $4,763-55.6% |
| Participant deferral / active EE | $3,631 | $4,604-21.1% | $4,069-10.8% | $5,851-37.9% |
| Admin fee / account holder | $565 | $10,749-94.7% | $7,889-92.8% | $11,598-95.1% |