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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 | $68,321 | $103,164-33.8% | $90,259-24.3% | $154,746-55.8% |
| Participation rate | 72.2% | 76.1%-3.9pp | 70.7%+1.5pp | 80.7%-8.5pp |
| Annual return | 14.06% | 19.25%-5.2pp | 18.88%-4.8pp | 172.34%-158.3pp |
| Employer contribution / active EE | $3,821 | $2,532+50.9% | $2,291+66.7% | $4,379-12.8% |
| Participant deferral / active EE | $9,301 | $4,422+110.4% | $3,827+143.1% | $6,730+38.2% |
| Admin fee / account holder | $5,829 | $8,593-32.2% | $7,267-19.8% | $14,365-59.4% |