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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 | $136,860-42.5% | $120,344-34.7% | $154,746-49.2% |
| Participation rate | 83.3% | 79.9%+3.4pp | 76.7%+6.6pp | 80.7%+2.6pp |
| Annual return | 16.14% | 21.38%-5.2pp | 20.30%-4.2pp | 172.34%-156.2pp |
| Employer contribution / active EE | $1,835 | $3,533-48.1% | $3,020-39.2% | $4,379-58.1% |
| Participant deferral / active EE | $4,187 | $5,793-27.7% | $5,135-18.5% | $6,730-37.8% |
| Admin fee / account holder | $8,486 | $15,393-44.9% | $12,742-33.4% | $14,365-40.9% |