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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 | $78,542 | $149,778-47.6% | $118,946-34.0% | $158,966-50.6% |
| Participation rate | 82.4% | 82.1%+0.3pp | 75.4%+7.0pp | 82.0%+0.4pp |
| Annual return | 15.56% | 19.95%-4.4pp | 35.89%-20.3pp | 302.95%-287.4pp |
| Employer contribution / active EE | $1,504 | $4,117-63.5% | $3,263-53.9% | $4,762-68.4% |
| Participant deferral / active EE | $2,831 | $5,225-45.8% | $4,266-33.6% | $5,983-52.7% |
| Admin fee / account holder | $1,740 | $8,604-79.8% | $6,581-73.6% | $11,250-84.5% |