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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 | $34,042 | $113,941-70.1% | $94,228-63.9% | $125,388-72.9% |
| Participation rate | 88.2% | 82.9%+5.3pp | 78.8%+9.5pp | 83.2%+5.0pp |
| Annual return | 3.36% | 5.29%-1.9pp | 10.68%-7.3pp | 282.24%-278.9pp |
| Employer contribution / active EE | $2,705 | $4,727-42.8% | $3,587-24.6% | $4,866-44.4% |
| Participant deferral / active EE | $4,692 | $5,179-9.4% | $4,320+8.6% | $5,352-12.3% |
| Admin fee / account holder | $15,039 | $8,392+79.2% | $6,269+139.9% | $9,541+57.6% |