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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 | $79,646 | $115,917-31.3% | $100,535-20.8% | $158,982-49.9% |
| Participation rate | 77.8% | 81.6%-3.8pp | 79.4%-1.6pp | 82.0%-4.2pp |
| Annual return | 15.43% | 34.80%-19.4pp | 30.90%-15.5pp | 302.99%-287.6pp |
| Employer contribution / active EE | $3,388 | $4,105-17.5% | $3,419-0.9% | $4,763-28.9% |
| Participant deferral / active EE | $10,240 | $6,677+53.4% | $6,271+63.3% | $5,983+71.1% |
| Admin fee / account holder | $5,653 | $11,002-48.6% | $8,085-30.1% | $11,252-49.8% |