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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 | $67,366 | $93,345-27.8% | $119,126-43.4% | $87,485-23.0% |
| Participation rate | 74.5% | 68.7%+5.8pp | 75.8%-1.2pp | 68.9%+5.6pp |
| Annual return | 17.82% | 19.08%-1.3pp | 282.11%-264.3pp | 26.06%-8.2pp |
| Employer contribution / active EE | $2,668 | $3,172-15.9% | $4,034-33.9% | $2,596+2.8% |
| Participant deferral / active EE | $5,546 | $4,099+35.3% | $5,318+4.3% | $4,274+29.8% |
| Admin fee / account holder | $1,914 | $8,039-76.2% | $10,693-82.1% | $7,775-75.4% |