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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 | $41,495 | $104,251-60.2% | $91,004-54.4% | $147,586-71.9% |
| Participation rate | 73.7% | 78.2%-4.6pp | 75.6%-1.9pp | 82.8%-9.1pp |
| Annual return | 18.14% | 27.06%-8.9pp | 4.60%+13.5pp | 578.59%-560.5pp |
| Employer contribution / active EE | $1,220 | $3,116-60.8% | $2,456-50.3% | $4,876-75.0% |
| Participant deferral / active EE | $2,438 | $4,195-41.9% | $3,548-31.3% | $5,439-55.2% |
| Admin fee / account holder | $988 | $8,948-89.0% | $5,417-81.8% | $10,886-90.9% |