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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 | $43,626 | $105,929-58.8% | $81,926-46.7% | $158,950-72.6% |
| Participation rate | 70.0% | 75.6%-5.6pp | 72.0%-2.0pp | 82.0%-12.0pp |
| Annual return | 20.23% | 38.19%-18.0pp | 29.49%-9.3pp | 302.91%-282.7pp |
| Employer contribution / active EE | $3,964 | $7,802-49.2% | $4,310-8.0% | $4,762-16.7% |
| Participant deferral / active EE | $8,589 | $13,007-34.0% | $7,108+20.8% | $5,983+43.6% |
| Admin fee / account holder | $2,949 | $8,492-65.3% | $5,159-42.8% | $11,248-73.8% |