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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 | $75,904 | $100,279-24.3% | $81,353-6.7% | $145,884-48.0% |
| Participation rate | 88.9% | 74.3%+14.6pp | 69.5%+19.4pp | 80.3%+8.6pp |
| Annual return | 12.81% | 34.49%-21.7pp | 24.82%-12.0pp | 551.85%-539.0pp |
| Employer contribution / active EE | $1,408 | $2,979-52.7% | $2,464-42.8% | $4,662-69.8% |
| Participant deferral / active EE | $3,221 | $4,611-30.1% | $3,885-17.1% | $6,690-51.9% |
| Admin fee / account holder | $1,380 | $8,206-83.2% | $5,766-76.1% | $13,392-89.7% |