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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 | $81,765 | $117,846-30.6% | $102,434-20.2% | $145,884-44.0% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 11.34% | 31.90%-20.6pp | 29.46%-18.1pp | 551.85%-540.5pp |
| Employer contribution / active EE | $1,664 | $3,615-54.0% | $3,023-45.0% | $4,662-64.3% |
| Participant deferral / active EE | $3,551 | $5,733-38.1% | $5,055-29.8% | $6,690-46.9% |
| Admin fee / account holder | $838 | $13,356-93.7% | $9,462-91.1% | $13,392-93.7% |