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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 | $67,207 | $99,994-32.8% | $146,647-54.2% | $85,851-21.7% |
| Participation rate | 70.5% | 73.1%-2.6pp | 80.1%-9.6pp | 69.3%+1.2pp |
| Annual return | 19.52% | 18.93%+0.6pp | 22.75%-3.2pp | 318.63%-299.1pp |
| Employer contribution / active EE | $3,239 | $2,559+26.6% | $4,137-21.7% | $2,565+26.3% |
| Participant deferral / active EE | $5,480 | $4,006+36.8% | $5,506-0.5% | $3,952+38.6% |
| Admin fee / account holder | $1,829 | $7,703-76.3% | $10,281-82.2% | $6,261-70.8% |