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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 | $62,140 | $176,786-64.9% | $146,643-57.6% | $167,536-62.9% |
| Participation rate | 85.0% | 83.6%+1.4pp | 80.1%+4.9pp | 82.1%+2.9pp |
| Annual return | 10.75% | 24.04%-13.3pp | 22.75%-12.0pp | 478.82%-468.1pp |
| Employer contribution / active EE | $2,538 | $5,161-50.8% | $4,137-38.6% | $4,839-47.5% |
| Participant deferral / active EE | $4,251 | $6,440-34.0% | $5,506-22.8% | $6,342-33.0% |
| Admin fee / account holder | $436 | $13,262-96.7% | $10,280-95.8% | $12,315-96.5% |