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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 | $36,714 | $93,589-60.8% | $135,942-73.0% | $75,181-51.2% |
| Participation rate | 78.8% | 75.2%+3.6pp | 81.9%-3.2pp | 67.2%+11.6pp |
| Annual return | 20.55% | 30.90%-10.3pp | 68.28%-47.7pp | 160.69%-140.1pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $10,554 | $6,405+64.8% | $7,759+36.0% | $4,126+155.8% |
| Admin fee / account holder | $3,237 | $6,977-53.6% | $10,764-69.9% | $5,650-42.7% |