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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 | $78,631 | $167,415-53.0% | $140,514-44.0% | $198,609-60.4% |
| Participation rate | 83.3% | 80.9%+2.5pp | 77.8%+5.5pp | 82.4%+1.0pp |
| Annual return | 16.14% | 13.85%+2.3pp | 14.36%+1.8pp | 202.70%-186.6pp |
| Employer contribution / active EE | $1,835 | $4,088-55.1% | $3,378-45.7% | $5,055-63.7% |
| Participant deferral / active EE | $4,187 | $5,579-25.0% | $4,919-14.9% | $6,977-40.0% |
| Admin fee / account holder | $8,486 | $16,730-49.3% | $13,697-38.0% | $19,030-55.4% |