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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 | $61,853 | $124,980-50.5% | $108,359-42.9% | $154,746-60.0% |
| Participation rate | 92.3% | 75.2%+17.1pp | 70.1%+22.2pp | 80.7%+11.6pp |
| Annual return | 15.59% | 45.00%-29.4pp | 36.89%-21.3pp | 172.34%-156.7pp |
| Employer contribution / active EE | $2,036 | $2,851-28.6% | $2,399-15.1% | $4,379-53.5% |
| Participant deferral / active EE | $7,152 | $4,743+50.8% | $4,137+72.9% | $6,730+6.3% |
| Admin fee / account holder | $3,589 | $11,502-68.8% | $9,741-63.2% | $14,365-75.0% |