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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 | $53,731 | $106,247-49.4% | $96,515-44.3% | $139,466-61.5% |
| Participation rate | 70.0% | 77.8%-7.8pp | 74.3%-4.3pp | 80.3%-10.3pp |
| Annual return | 15.31% | 38.47%-23.2pp | 35.73%-20.4pp | 373.66%-358.4pp |
| Employer contribution / active EE | $2,046 | $4,106-50.2% | $3,740-45.3% | $4,754-57.0% |
| Participant deferral / active EE | $3,922 | $5,456-28.1% | $4,880-19.6% | $6,712-41.6% |
| Admin fee / account holder | $4,068 | $7,885-48.4% | $6,735-39.6% | $11,409-64.3% |