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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 | $61,040 | $110,379-44.7% | $102,412-40.4% | $145,884-58.2% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.5%+5.5pp | 80.3%-0.3pp |
| Annual return | 9.22% | 24.84%-15.6pp | 24.94%-15.7pp | 551.85%-542.6pp |
| Employer contribution / active EE | $2,483 | $4,216-41.1% | $3,870-35.8% | $4,662-46.7% |
| Participant deferral / active EE | $6,429 | $5,622+14.4% | $5,060+27.0% | $6,690-3.9% |
| Admin fee / account holder | $456 | $9,745-95.3% | $8,388-94.6% | $13,392-96.6% |