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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 | $58,217 | $84,518-31.1% | $67,704-14.0% | $125,389-53.6% |
| Participation rate | 77.3% | 74.8%+2.5pp | 67.5%+9.8pp | 83.2%-5.9pp |
| Annual return | 41.58% | 2.57%+39.0pp | 25.41%+16.2pp | 282.24%-240.7pp |
| Employer contribution / active EE | $2,325 | $3,292-29.4% | $2,559-9.2% | $4,866-52.2% |
| Participant deferral / active EE | $6,484 | $4,430+46.4% | $3,585+80.8% | $5,352+21.2% |
| Admin fee / account holder | $1,314 | $5,340-75.4% | $4,255-69.1% | $9,541-86.2% |