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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 | $49,009 | $112,729-56.5% | $98,716-50.4% | $137,256-64.3% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.3%+2.1pp | 80.0%-8.5pp |
| Annual return | 17.39% | 38.48%-21.1pp | 31.81%-14.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $2,929 | $2,725+7.5% | $2,279+28.5% | $4,156-29.5% |
| Participant deferral / active EE | $5,322 | $4,640+14.7% | $4,048+31.5% | $6,407-16.9% |
| Admin fee / account holder | $12,741 | $10,129+25.8% | $8,703+46.4% | $12,270+3.8% |