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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 | $77,222 | $110,212-29.9% | $96,534-20.0% | $139,466-44.6% |
| Participation rate | 71.4% | 78.1%-6.7pp | 76.0%-4.6pp | 80.3%-8.9pp |
| Annual return | 16.27% | 26.42%-10.1pp | 25.88%-9.6pp | 373.66%-357.4pp |
| Employer contribution / active EE | $1,782 | $3,620-50.8% | $2,965-39.9% | $4,754-62.5% |
| Participant deferral / active EE | $3,178 | $5,547-42.7% | $4,851-34.5% | $6,712-52.6% |
| Admin fee / account holder | $9,811 | $11,599-15.4% | $8,253+18.9% | $11,409-14.0% |