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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 | $42,944 | $124,314-65.5% | $109,163-60.7% | $167,518-74.4% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.9%+4.1pp | 82.1%-2.1pp |
| Annual return | 12.71% | 26.04%-13.3pp | 25.75%-13.0pp | 478.71%-466.0pp |
| Employer contribution / active EE | $4,668 | $4,209+10.9% | $3,723+25.4% | $4,838-3.5% |
| Participant deferral / active EE | $10,513 | $5,256+100.0% | $4,654+125.9% | $6,342+65.8% |
| Admin fee / account holder | $701 | $7,973-91.2% | $6,754-89.6% | $12,312-94.3% |