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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 | $38,577 | $104,251-63.0% | $91,004-57.6% | $147,586-73.9% |
| Participation rate | 71.4% | 78.2%-6.8pp | 75.6%-4.2pp | 82.8%-11.4pp |
| Annual return | 15.69% | 27.06%-11.4pp | 4.60%+11.1pp | 578.59%-562.9pp |
| Employer contribution / active EE | $3,312 | $3,116+6.3% | $2,456+34.9% | $4,876-32.1% |
| Participant deferral / active EE | $3,206 | $4,195-23.6% | $3,548-9.6% | $5,439-41.0% |
| Admin fee / account holder | $1,015 | $8,948-88.7% | $5,417-81.3% | $10,886-90.7% |