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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 | $63,089 | $112,729-44.0% | $98,716-36.1% | $137,256-54.0% |
| Participation rate | 73.3% | 74.2%-0.9pp | 69.3%+4.0pp | 80.0%-6.6pp |
| Annual return | 16.24% | 38.48%-22.2pp | 31.81%-15.6pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,449 | $2,725-10.2% | $2,279+7.5% | $4,156-41.1% |
| Participant deferral / active EE | $4,527 | $4,640-2.4% | $4,048+11.9% | $6,407-29.3% |
| Admin fee / account holder | $4,476 | $10,129-55.8% | $8,703-48.6% | $12,270-63.5% |