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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 | $43,907 | $105,960-58.6% | $81,726-46.3% | $158,982-72.4% |
| Participation rate | 80.0% | 75.6%+4.4pp | 72.0%+8.0pp | 82.0%-2.0pp |
| Annual return | 15.86% | 38.19%-22.3pp | 29.49%-13.6pp | 302.99%-287.1pp |
| Employer contribution / active EE | $1,098 | $7,805-85.9% | $4,311-74.5% | $4,763-76.9% |
| Participant deferral / active EE | $2,964 | $13,011-77.2% | $7,108-58.3% | $5,983-50.5% |
| Admin fee / account holder | $916 | $8,494-89.2% | $5,160-82.2% | $11,252-91.9% |