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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 | $32,405 | $104,664-69.0% | $85,693-62.2% | $167,518-80.7% |
| Participation rate | 76.9% | 76.4%+0.6pp | 69.9%+7.1pp | 82.1%-5.2pp |
| Annual return | 10.97% | 21.45%-10.5pp | 21.49%-10.5pp | 478.71%-467.7pp |
| Employer contribution / active EE | $2,299 | $3,337-31.1% | $2,618-12.2% | $4,838-52.5% |
| Participant deferral / active EE | $3,641 | $4,824-24.5% | $3,923-7.2% | $6,342-42.6% |
| Admin fee / account holder | $6,069 | $10,032-39.5% | $6,874-11.7% | $12,312-50.7% |