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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 | $56,663 | $107,421-47.3% | $182,262-68.9% | $94,015-39.7% |
| Participation rate | 80.0% | 77.8%+2.2pp | 84.2%-4.2pp | 70.8%+9.2pp |
| Annual return | 16.99% | 21.32%-4.3pp | 140.60%-123.6pp | 17.84%-0.9pp |
| Employer contribution / active EE | $925 | $3,448-73.2% | $5,046-81.7% | $2,790-66.9% |
| Participant deferral / active EE | $3,566 | $6,558-45.6% | $8,276-56.9% | $4,249-16.1% |
| Admin fee / account holder | $4,161 | $8,692-52.1% | $16,712-75.1% | $8,951-53.5% |