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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 | $48,524 | $117,895-58.8% | $102,460-52.6% | $145,897-66.7% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 12.97% | 31.92%-19.0pp | 29.47%-16.5pp | 552.29%-539.3pp |
| Employer contribution / active EE | $3,497 | $3,619-3.4% | $3,025+15.6% | $4,663-25.0% |
| Participant deferral / active EE | $7,803 | $5,736+36.0% | $5,056+54.3% | $6,689+16.6% |
| Admin fee / account holder | $474 | $13,353-96.5% | $9,460-95.0% | $13,390-96.5% |