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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 | $43,926 | $105,929-58.5% | $81,926-46.4% | $158,950-72.4% |
| Participation rate | 75.0% | 75.6%-0.6pp | 72.0%+3.0pp | 82.0%-7.0pp |
| Annual return | 24.86% | 38.19%-13.3pp | 29.49%-4.6pp | 302.91%-278.1pp |
| Employer contribution / active EE | $2,471 | $7,802-68.3% | $4,310-42.7% | $4,762-48.1% |
| Participant deferral / active EE | $8,235 | $13,007-36.7% | $7,108+15.9% | $5,983+37.7% |
| Admin fee / account holder | $716 | $8,492-91.6% | $5,159-86.1% | $11,248-93.6% |