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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 | $66,800 | $81,696-18.2% | $70,494-5.2% | $158,982-58.0% |
| Participation rate | 80.0% | 77.7%+2.3pp | 75.1%+4.9pp | 82.0%-2.0pp |
| Annual return | 16.55% | 208.70%-192.2pp | 109.16%-92.6pp | 302.99%-286.4pp |
| Employer contribution / active EE | $3,157 | $3,220-2.0% | $2,738+15.3% | $4,763-33.7% |
| Participant deferral / active EE | $5,753 | $4,558+26.2% | $3,711+55.0% | $5,983-3.9% |
| Admin fee / account holder | $1,793 | $6,200-71.1% | $3,848-53.4% | $11,252-84.1% |