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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 | $100,147-60.2% | $81,286-50.9% | $145,877-72.7% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.5%+5.5pp | 80.3%-5.3pp |
| Annual return | 15.59% | 34.44%-18.8pp | 24.80%-9.2pp | 551.28%-535.7pp |
| Employer contribution / active EE | $1,393 | $2,977-53.2% | $2,463-43.4% | $4,663-70.1% |
| Participant deferral / active EE | $9,692 | $4,607+110.4% | $3,883+149.6% | $6,691+44.9% |
| Admin fee / account holder | $21,991 | $8,201+168.2% | $5,764+281.5% | $13,402+64.1% |