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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 | $29,310 | $201,372-85.4% | $184,260-84.1% | $145,884-79.9% |
| Participation rate | 75.0% | 87.5%-12.5pp | 86.8%-11.8pp | 80.3%-5.3pp |
| Annual return | 9.71% | 29.04%-19.3pp | 28.84%-19.1pp | 551.85%-542.1pp |
| Employer contribution / active EE | $2,234 | $7,024-68.2% | $6,427-65.3% | $4,662-52.1% |
| Participant deferral / active EE | $7,556 | $9,808-23.0% | $9,133-17.3% | $6,690+12.9% |
| Admin fee / account holder | $11,408 | $16,362-30.3% | $13,898-17.9% | $13,392-14.8% |