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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 | $43,023 | $86,288-50.1% | $111,306-61.3% | $85,851-49.9% |
| Participation rate | 71.1% | 73.3%-2.2pp | 77.3%-6.2pp | 69.3%+1.8pp |
| Annual return | 14.51% | 19.99%-5.5pp | 54.67%-40.2pp | 318.63%-304.1pp |
| Employer contribution / active EE | $2,412 | $2,044+18.0% | $2,732-11.7% | $2,565-6.0% |
| Participant deferral / active EE | $5,055 | $3,641+38.8% | $4,488+12.6% | $3,952+27.9% |
| Admin fee / account holder | $4,080 | $8,189-50.2% | $7,966-48.8% | $6,261-34.8% |