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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 | $40,826 | $147,556-72.3% | $129,031-68.4% | $198,609-79.4% |
| Participation rate | 84.6% | 77.2%+7.4pp | 73.4%+11.3pp | 82.4%+2.2pp |
| Annual return | 19.02% | 37.41%-18.4pp | 34.67%-15.7pp | 202.70%-183.7pp |
| Employer contribution / active EE | $2,338 | $3,645-35.9% | $3,226-27.5% | $5,055-53.8% |
| Participant deferral / active EE | $4,626 | $5,760-19.7% | $5,217-11.3% | $6,977-33.7% |
| Admin fee / account holder | $2,963 | $15,467-80.8% | $13,208-77.6% | $19,030-84.4% |