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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 | $51,624 | $138,312-62.7% | $122,979-58.0% | $155,188-66.7% |
| Participation rate | 71.4% | 80.2%-8.8pp | 77.2%-5.8pp | 80.8%-9.4pp |
| Annual return | 15.73% | 22.06%-6.3pp | 20.12%-4.4pp | 148.84%-133.1pp |
| Employer contribution / active EE | $1,716 | $3,530-51.4% | $3,062-44.0% | $4,248-59.6% |
| Participant deferral / active EE | $4,408 | $5,592-21.2% | $5,003-11.9% | $6,531-32.5% |
| Admin fee / account holder | $3,951 | $15,089-73.8% | $12,864-69.3% | $14,480-72.7% |