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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 | $58,727 | $87,106-32.6% | $105,607-44.4% | $80,935-27.4% |
| Participation rate | 71.4% | 70.4%+1.0pp | 75.3%-3.8pp | 67.7%+3.8pp |
| Annual return | 15.84% | 17.01%-1.2pp | 116.11%-100.3pp | 35.66%-19.8pp |
| Employer contribution / active EE | $2,024 | $2,396-15.5% | $3,167-36.1% | $2,757-26.6% |
| Participant deferral / active EE | $3,708 | $3,986-7.0% | $5,011-26.0% | $4,299-13.8% |
| Admin fee / account holder | $3,746 | $8,447-55.7% | $10,958-65.8% | $6,924-45.9% |