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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 | $40,026 | $117,829-66.0% | $102,423-60.9% | $145,877-72.6% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 9.04% | 31.83%-22.8pp | 29.42%-20.4pp | 551.28%-542.2pp |
| Employer contribution / active EE | $3,235 | $3,615-10.5% | $3,023+7.0% | $4,663-30.6% |
| Participant deferral / active EE | $4,734 | $5,732-17.4% | $5,054-6.3% | $6,691-29.2% |
| Admin fee / account holder | $411 | $13,335-96.9% | $9,455-95.7% | $13,402-96.9% |