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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 | $49,332 | $110,410-55.3% | $102,437-51.8% | $145,897-66.2% |
| Participation rate | 72.7% | 77.9%-5.2pp | 74.5%-1.8pp | 80.3%-7.6pp |
| Annual return | 11.71% | 24.85%-13.1pp | 24.95%-13.2pp | 552.29%-540.6pp |
| Employer contribution / active EE | $3,795 | $4,217-10.0% | $3,871-2.0% | $4,663-18.6% |
| Participant deferral / active EE | $7,822 | $5,622+39.1% | $5,060+54.6% | $6,689+16.9% |
| Admin fee / account holder | $314 | $9,745-96.8% | $8,388-96.3% | $13,390-97.7% |