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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 | $53,275 | $105,960-49.7% | $81,726-34.8% | $158,982-66.5% |
| Participation rate | 90.9% | 75.6%+15.3pp | 72.0%+18.9pp | 82.0%+8.9pp |
| Annual return | 10.21% | 38.19%-28.0pp | 29.49%-19.3pp | 302.99%-292.8pp |
| Employer contribution / active EE | $1,073 | $7,805-86.3% | $4,311-75.1% | $4,763-77.5% |
| Participant deferral / active EE | $2,568 | $13,011-80.3% | $7,108-63.9% | $5,983-57.1% |
| Admin fee / account holder | $2,617 | $8,494-69.2% | $5,160-49.3% | $11,252-76.7% |