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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 | $57,133 | $110,337-48.2% | $102,383-44.2% | $145,877-60.8% |
| Participation rate | 86.4% | 77.9%+8.4pp | 74.5%+11.9pp | 80.3%+6.1pp |
| Annual return | 16.17% | 24.83%-8.7pp | 24.94%-8.8pp | 551.28%-535.1pp |
| Employer contribution / active EE | $3,004 | $4,216-28.7% | $3,870-22.4% | $4,663-35.6% |
| Participant deferral / active EE | $2,506 | $5,621-55.4% | $5,060-50.5% | $6,691-62.5% |
| Admin fee / account holder | $6,609 | $9,750-32.2% | $8,391-21.2% | $13,402-50.7% |