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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 | $47,514 | $135,956-65.1% | $123,894-61.6% | $273,972-82.7% |
| Participation rate | 86.7% | 84.1%+2.6pp | 81.4%+5.3pp | 83.0%+3.7pp |
| Annual return | 3.87% | 56.63%-52.8pp | 47.52%-43.6pp | 41.46%-37.6pp |
| Employer contribution / active EE | $2,692 | $5,170-47.9% | $4,617-41.7% | $4,869-44.7% |
| Participant deferral / active EE | $5,744 | $6,343-9.4% | $5,984-4.0% | $5,287+8.6% |
| Admin fee / account holder | $8,868 | $9,817-9.7% | $8,357+6.1% | $10,133-12.5% |