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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 | $98,441 | $239,571-58.9% | $183,328-46.3% | $137,256-28.3% |
| Participation rate | 83.3% | 82.4%+0.9pp | 77.3%+6.0pp | 80.0%+3.4pp |
| Annual return | 14.48% | 35.69%-21.2pp | 29.67%-15.2pp | 220.34%-205.9pp |
| Employer contribution / active EE | $3,348 | $6,148-45.5% | $5,055-33.8% | $4,156-19.4% |
| Participant deferral / active EE | $6,495 | $7,995-18.8% | $6,795-4.4% | $6,407+1.4% |
| Admin fee / account holder | $47,600 | $30,059+58.4% | $21,427+122.2% | $12,270+287.9% |