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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 | $38,523 | $125,797-69.4% | $170,043-77.3% | $75,173-48.8% |
| Participation rate | 83.3% | 83.6%-0.3pp | 87.0%-3.7pp | 67.2%+16.1pp |
| Annual return | 17.70% | 27.20%-9.5pp | 53.40%-35.7pp | 160.72%-143.0pp |
| Employer contribution / active EE | $4,000 | $4,616-13.4% | $6,790-41.1% | $2,671+49.8% |
| Participant deferral / active EE | $9,064 | $6,838+32.6% | $10,410-12.9% | $4,126+119.7% |
| Admin fee / account holder | $3,299 | $8,177-59.7% | $12,824-74.3% | $5,651-41.6% |