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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 | $32,443 | $141,004-77.0% | $112,273-71.1% | $139,456-76.7% |
| Participation rate | 80.0% | 79.2%+0.8pp | 72.4%+7.6pp | 80.3%-0.3pp |
| Annual return | 15.61% | 32.75%-17.1pp | 30.23%-14.6pp | 373.45%-357.8pp |
| Employer contribution / active EE | $1,210 | $4,285-71.8% | $3,431-64.7% | $4,753-74.5% |
| Participant deferral / active EE | $3,874 | $5,878-34.1% | $4,800-19.3% | $6,711-42.3% |
| Admin fee / account holder | $594 | $9,959-94.0% | $7,752-92.3% | $11,407-94.8% |