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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 | $34,473 | $124,980-72.4% | $108,359-68.2% | $154,746-77.7% |
| Participation rate | 80.0% | 75.2%+4.8pp | 70.1%+9.9pp | 80.7%-0.7pp |
| Annual return | 16.38% | 45.00%-28.6pp | 36.89%-20.5pp | 172.34%-156.0pp |
| Employer contribution / active EE | $2,089 | $2,851-26.7% | $2,399-12.9% | $4,379-52.3% |
| Participant deferral / active EE | $6,033 | $4,743+27.2% | $4,137+45.8% | $6,730-10.4% |
| Admin fee / account holder | $3,568 | $11,502-69.0% | $9,741-63.4% | $14,365-75.2% |