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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 | $74,462 | $115,917-35.8% | $100,535-25.9% | $158,982-53.2% |
| Participation rate | 71.4% | 81.6%-10.2pp | 79.4%-8.0pp | 82.0%-10.5pp |
| Annual return | 17.59% | 34.80%-17.2pp | 30.90%-13.3pp | 302.99%-285.4pp |
| Employer contribution / active EE | $2,588 | $4,105-37.0% | $3,419-24.3% | $4,763-45.7% |
| Participant deferral / active EE | $4,653 | $6,677-30.3% | $6,271-25.8% | $5,983-22.2% |
| Admin fee / account holder | $813 | $11,002-92.6% | $8,085-89.9% | $11,252-92.8% |