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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 | $54,364 | $103,393-47.4% | $87,103-37.6% | $152,909-64.4% |
| Participation rate | 79.2% | 79.4%-0.2pp | 76.9%+2.3pp | 82.5%-3.3pp |
| Annual return | 23.08% | 28.10%-5.0pp | 28.19%-5.1pp | 345.46%-322.4pp |
| Employer contribution / active EE | $2,618 | $3,221-18.7% | $2,521+3.8% | $4,764-45.0% |
| Participant deferral / active EE | $5,389 | $4,778+12.8% | $4,049+33.1% | $5,851-7.9% |
| Admin fee / account holder | $665 | $12,195-94.5% | $7,491-91.1% | $11,601-94.3% |