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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 | $38,930 | $93,598-58.4% | $135,974-71.4% | $75,173-48.2% |
| Participation rate | 71.1% | 75.2%-4.1pp | 81.9%-10.8pp | 67.2%+3.9pp |
| Annual return | 16.51% | 30.89%-14.4pp | 68.30%-51.8pp | 160.72%-144.2pp |
| Employer contribution / active EE | $1,479 | $3,538-58.2% | $4,859-69.6% | $2,671-44.6% |
| Participant deferral / active EE | $4,092 | $6,405-36.1% | $7,760-47.3% | $4,126-0.8% |
| Admin fee / account holder | $6,999 | $6,978+0.3% | $10,767-35.0% | $5,651+23.9% |