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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 | $25,951 | $124,425-79.1% | $112,040-76.8% | $137,256-81.1% |
| Participation rate | 75.0% | 79.3%-4.3pp | 76.5%-1.5pp | 80.0%-5.0pp |
| Annual return | 15.93% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,300 | $3,411-61.9% | $2,954-56.0% | $4,156-68.7% |
| Participant deferral / active EE | $4,380 | $5,718-23.4% | $5,098-14.1% | $6,407-31.6% |
| Admin fee / account holder | $3,152 | $15,207-79.3% | $12,098-73.9% | $12,270-74.3% |