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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 | $79,226 | $99,053-20.0% | $88,179-10.2% | $138,895-43.0% |
| Participation rate | 80.0% | 74.2%+5.8pp | 69.1%+10.9pp | 79.9%+0.1pp |
| Annual return | 17.07% | 78.17%-61.1pp | 64.97%-47.9pp | 145.39%-128.3pp |
| Employer contribution / active EE | $2,441 | $2,882-15.3% | $2,549-4.2% | $4,194-41.8% |
| Participant deferral / active EE | $4,702 | $5,225-10.0% | $4,614+1.9% | $6,396-26.5% |
| Admin fee / account holder | $5,281 | $8,748-39.6% | $7,673-31.2% | $12,562-58.0% |