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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 | $39,127 | $124,980-68.7% | $108,359-63.9% | $154,746-74.7% |
| Participation rate | 85.7% | 75.2%+10.5pp | 70.1%+15.6pp | 80.7%+5.0pp |
| Annual return | 14.72% | 45.00%-30.3pp | 36.89%-22.2pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,380 | $2,851-51.6% | $2,399-42.5% | $4,379-68.5% |
| Participant deferral / active EE | $3,440 | $4,743-27.5% | $4,137-16.8% | $6,730-48.9% |
| Admin fee / account holder | $358 | $11,502-96.9% | $9,741-96.3% | $14,365-97.5% |