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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 | $38,345 | $97,751-60.8% | $103,447-62.9% | $145,877-73.7% |
| Participation rate | 84.6% | 81.1%+3.5pp | 80.5%+4.1pp | 80.3%+4.3pp |
| Annual return | 14.08% | 25.43%-11.4pp | 23.92%-9.8pp | 551.28%-537.2pp |
| Employer contribution / active EE | $2,230 | $4,684-52.4% | $4,678-52.3% | $4,663-52.2% |
| Participant deferral / active EE | $7,022 | $6,603+6.3% | $6,624+6.0% | $6,691+4.9% |
| Admin fee / account holder | $951 | $12,515-92.4% | $9,415-89.9% | $13,402-92.9% |