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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 | $72,948 | $106,247-31.3% | $96,515-24.4% | $139,466-47.7% |
| Participation rate | 73.3% | 77.8%-4.5pp | 74.3%-1.0pp | 80.3%-7.0pp |
| Annual return | 14.65% | 38.47%-23.8pp | 35.73%-21.1pp | 373.66%-359.0pp |
| Employer contribution / active EE | $2,542 | $4,106-38.1% | $3,740-32.0% | $4,754-46.5% |
| Participant deferral / active EE | $7,497 | $5,456+37.4% | $4,880+53.6% | $6,712+11.7% |
| Admin fee / account holder | $2,978 | $7,885-62.2% | $6,735-55.8% | $11,409-73.9% |