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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 | $50,097 | $100,262-50.0% | $81,370-38.4% | $145,897-65.7% |
| Participation rate | 73.7% | 74.3%-0.6pp | 69.5%+4.1pp | 80.3%-6.6pp |
| Annual return | 11.49% | 34.52%-23.0pp | 24.85%-13.4pp | 552.29%-540.8pp |
| Employer contribution / active EE | $3,105 | $2,979+4.2% | $2,464+26.0% | $4,663-33.4% |
| Participant deferral / active EE | $9,857 | $4,612+113.7% | $3,885+153.7% | $6,689+47.4% |
| Admin fee / account holder | $10,828 | $8,163+32.6% | $5,749+88.3% | $13,390-19.1% |