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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 | $46,080 | $117,846-60.9% | $102,434-55.0% | $145,884-68.4% |
| Participation rate | 86.7% | 78.6%+8.0pp | 76.5%+10.2pp | 80.3%+6.4pp |
| Annual return | 10.50% | 31.90%-21.4pp | 29.46%-19.0pp | 551.85%-541.3pp |
| Employer contribution / active EE | $2,796 | $3,615-22.7% | $3,023-7.5% | $4,662-40.0% |
| Participant deferral / active EE | $6,674 | $5,733+16.4% | $5,055+32.0% | $6,690-0.2% |
| Admin fee / account holder | $572 | $13,356-95.7% | $9,462-94.0% | $13,392-95.7% |