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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 | $41,674 | $117,846-64.6% | $102,434-59.3% | $145,884-71.4% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 27.59% | 31.90%-4.3pp | 29.46%-1.9pp | 551.85%-524.3pp |
| Employer contribution / active EE | $3,500 | $3,615-3.2% | $3,023+15.8% | $4,662-24.9% |
| Participant deferral / active EE | $8,782 | $5,733+53.2% | $5,055+73.7% | $6,690+31.3% |
| Admin fee / account holder | $11,441 | $13,356-14.3% | $9,462+20.9% | $13,392-14.6% |