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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 | $50,341 | $124,980-59.7% | $108,359-53.5% | $154,746-67.5% |
| Participation rate | 76.9% | 75.2%+1.8pp | 70.1%+6.8pp | 80.7%-3.8pp |
| Annual return | 15.90% | 45.00%-29.1pp | 36.89%-21.0pp | 172.34%-156.4pp |
| Employer contribution / active EE | $2,479 | $2,851-13.0% | $2,399+3.3% | $4,379-43.4% |
| Participant deferral / active EE | $6,321 | $4,743+33.3% | $4,137+52.8% | $6,730-6.1% |
| Admin fee / account holder | $1,221 | $11,502-89.4% | $9,741-87.5% | $14,365-91.5% |