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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 | $43,433 | $147,556-70.6% | $129,031-66.3% | $198,609-78.1% |
| Participation rate | 91.7% | 77.2%+14.4pp | 73.4%+18.3pp | 82.4%+9.3pp |
| Annual return | 14.59% | 37.41%-22.8pp | 34.67%-20.1pp | 202.70%-188.1pp |
| Employer contribution / active EE | $4,802 | $3,645+31.7% | $3,226+48.8% | $5,055-5.0% |
| Participant deferral / active EE | $0 | $5,760-100.0% | $5,217-100.0% | $6,977-100.0% |
| Admin fee / account holder | $864 | $15,467-94.4% | $13,208-93.5% | $19,030-95.5% |