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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 | $94,460 | $176,838-46.6% | $146,685-35.6% | $167,518-43.6% |
| Participation rate | 76.9% | 83.6%-6.7pp | 80.1%-3.1pp | 82.1%-5.2pp |
| Annual return | 15.79% | 24.04%-8.2pp | 22.75%-7.0pp | 478.71%-462.9pp |
| Employer contribution / active EE | $1,549 | $5,161-70.0% | $4,137-62.6% | $4,838-68.0% |
| Participant deferral / active EE | $4,703 | $6,441-27.0% | $5,507-14.6% | $6,342-25.8% |
| Admin fee / account holder | $834 | $13,262-93.7% | $10,281-91.9% | $12,312-93.2% |