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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 | $79,132 | $112,729-29.8% | $98,716-19.8% | $137,256-42.3% |
| Participation rate | 81.8% | 74.2%+7.6pp | 69.3%+12.5pp | 80.0%+1.9pp |
| Annual return | 12.36% | 38.48%-26.1pp | 31.81%-19.5pp | 220.34%-208.0pp |
| Employer contribution / active EE | $815 | $2,725-70.1% | $2,279-64.2% | $4,156-80.4% |
| Participant deferral / active EE | $3,704 | $4,640-20.2% | $4,048-8.5% | $6,407-42.2% |
| Admin fee / account holder | $3,895 | $10,129-61.5% | $8,703-55.2% | $12,270-68.3% |