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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 | $69,414 | $154,467-55.1% | $130,270-46.7% | $139,487-50.2% |
| Participation rate | 72.7% | 79.9%-7.2pp | 76.3%-3.5pp | 80.3%-7.6pp |
| Annual return | 11.88% | 30.58%-18.7pp | 38.89%-27.0pp | 373.84%-362.0pp |
| Employer contribution / active EE | $2,146 | $5,175-58.5% | $4,128-48.0% | $4,755-54.9% |
| Participant deferral / active EE | $2,639 | $8,497-68.9% | $6,797-61.2% | $6,713-60.7% |
| Admin fee / account holder | $518 | $9,222-94.4% | $6,022-91.4% | $11,407-95.5% |