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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 | $39,018 | $104,251-62.6% | $91,004-57.1% | $147,586-73.6% |
| Participation rate | 76.9% | 78.2%-1.3pp | 75.6%+1.3pp | 82.8%-5.9pp |
| Annual return | 10.32% | 27.06%-16.7pp | 4.60%+5.7pp | 578.59%-568.3pp |
| Employer contribution / active EE | $1,221 | $3,116-60.8% | $2,456-50.3% | $4,876-75.0% |
| Participant deferral / active EE | $1,437 | $4,195-65.7% | $3,548-59.5% | $5,439-73.6% |
| Admin fee / account holder | $841 | $8,948-90.6% | $5,417-84.5% | $10,886-92.3% |