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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 | $69,552 | $111,814-37.8% | $103,378-32.7% | $145,978-52.4% |
| Participation rate | 88.2% | 77.9%+10.3pp | 74.5%+13.7pp | 80.3%+7.9pp |
| Annual return | 15.52% | 24.80%-9.3pp | 24.91%-9.4pp | 550.52%-535.0pp |
| Employer contribution / active EE | $2,087 | $4,215-50.5% | $3,870-46.1% | $4,662-55.2% |
| Participant deferral / active EE | $5,294 | $5,618-5.8% | $5,058+4.7% | $6,690-20.9% |
| Admin fee / account holder | $4,102 | $9,764-58.0% | $8,401-51.2% | $13,400-69.4% |