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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 | $38,886 | $104,251-62.7% | $91,004-57.3% | $147,586-73.7% |
| Participation rate | 80.0% | 78.2%+1.8pp | 75.6%+4.4pp | 82.8%-2.8pp |
| Annual return | 13.80% | 27.06%-13.3pp | 4.60%+9.2pp | 578.59%-564.8pp |
| Employer contribution / active EE | $1,582 | $3,116-49.2% | $2,456-35.6% | $4,876-67.6% |
| Participant deferral / active EE | $5,235 | $4,195+24.8% | $3,548+47.6% | $5,439-3.7% |
| Admin fee / account holder | $5,124 | $8,948-42.7% | $5,417-5.4% | $10,886-52.9% |