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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 | $74,478 | $110,379-32.5% | $102,412-27.3% | $145,884-48.9% |
| Participation rate | 83.3% | 77.9%+5.4pp | 74.5%+8.8pp | 80.3%+3.0pp |
| Annual return | 15.39% | 24.84%-9.5pp | 24.94%-9.6pp | 551.85%-536.5pp |
| Employer contribution / active EE | $2,091 | $4,216-50.4% | $3,870-46.0% | $4,662-55.2% |
| Participant deferral / active EE | $6,368 | $5,622+13.3% | $5,060+25.8% | $6,690-4.8% |
| Admin fee / account holder | $3,085 | $9,745-68.3% | $8,388-63.2% | $13,392-77.0% |