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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 | $82,348 | $107,809-23.6% | $97,032-15.1% | $155,188-46.9% |
| Participation rate | 75.0% | 75.5%-0.5pp | 71.6%+3.4pp | 80.8%-5.8pp |
| Annual return | 13.99% | 38.06%-24.1pp | 35.38%-21.4pp | 148.84%-134.8pp |
| Employer contribution / active EE | $2,463 | $2,911-15.4% | $2,629-6.3% | $4,248-42.0% |
| Participant deferral / active EE | $6,523 | $5,129+27.2% | $4,672+39.6% | $6,531-0.1% |
| Admin fee / account holder | $1,593 | $10,717-85.1% | $9,418-83.1% | $14,480-89.0% |