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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 | $72,292 | $117,904-38.7% | $102,457-29.4% | $145,978-50.5% |
| Participation rate | 87.5% | 78.6%+8.9pp | 76.5%+11.0pp | 80.3%+7.2pp |
| Annual return | 13.24% | 31.80%-18.6pp | 29.41%-16.2pp | 550.52%-537.3pp |
| Employer contribution / active EE | $2,092 | $3,613-42.1% | $3,022-30.8% | $4,662-55.1% |
| Participant deferral / active EE | $5,405 | $5,733-5.7% | $5,054+6.9% | $6,690-19.2% |
| Admin fee / account holder | $2,542 | $13,329-80.9% | $9,451-73.1% | $13,400-81.0% |