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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 | $44,013 | $106,247-58.6% | $96,515-54.4% | $139,466-68.4% |
| Participation rate | 84.6% | 77.8%+6.8pp | 74.3%+10.3pp | 80.3%+4.3pp |
| Annual return | 17.43% | 38.47%-21.0pp | 35.73%-18.3pp | 373.66%-356.2pp |
| Employer contribution / active EE | $3,140 | $4,106-23.5% | $3,740-16.0% | $4,754-33.9% |
| Participant deferral / active EE | $7,748 | $5,456+42.0% | $4,880+58.8% | $6,712+15.4% |
| Admin fee / account holder | $615 | $7,885-92.2% | $6,735-90.9% | $11,409-94.6% |