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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 | $39,897 | $100,262-60.2% | $81,370-51.0% | $145,897-72.7% |
| Participation rate | 75.0% | 74.3%+0.7pp | 69.5%+5.5pp | 80.3%-5.3pp |
| Annual return | 15.59% | 34.52%-18.9pp | 24.85%-9.3pp | 552.29%-536.7pp |
| Employer contribution / active EE | $1,393 | $2,979-53.2% | $2,464-43.5% | $4,663-70.1% |
| Participant deferral / active EE | $9,692 | $4,612+110.1% | $3,885+149.5% | $6,689+44.9% |
| Admin fee / account holder | $21,991 | $8,163+169.4% | $5,749+282.5% | $13,390+64.2% |