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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 | $32,215 | $104,694-69.2% | $85,709-62.4% | $167,536-80.8% |
| Participation rate | 81.8% | 76.4%+5.5pp | 69.9%+12.0pp | 82.1%-0.3pp |
| Annual return | 12.53% | 21.45%-8.9pp | 21.49%-9.0pp | 478.82%-466.3pp |
| Employer contribution / active EE | $1,821 | $3,337-45.4% | $2,619-30.5% | $4,839-62.4% |
| Participant deferral / active EE | $4,349 | $4,826-9.9% | $3,924+10.8% | $6,342-31.4% |
| Admin fee / account holder | $5,178 | $10,035-48.4% | $6,876-24.7% | $12,315-58.0% |