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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 | $57,952 | $93,589-38.1% | $135,942-57.4% | $75,181-22.9% |
| Participation rate | 93.8% | 75.2%+18.6pp | 81.9%+11.8pp | 67.2%+26.6pp |
| Annual return | 16.12% | 30.90%-14.8pp | 68.28%-52.2pp | 160.69%-144.6pp |
| Employer contribution / active EE | $2,575 | $3,537-27.2% | $4,858-47.0% | $2,671-3.6% |
| Participant deferral / active EE | $4,783 | $6,405-25.3% | $7,759-38.4% | $4,126+15.9% |
| Admin fee / account holder | $1,629 | $6,977-76.7% | $10,764-84.9% | $5,650-71.2% |