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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 | $48,161 | $93,617-48.6% | $135,982-64.6% | $75,177-35.9% |
| Participation rate | 72.7% | 75.2%-2.5pp | 81.9%-9.2pp | 67.2%+5.5pp |
| Annual return | 20.55% | 30.89%-10.3pp | 68.32%-47.8pp | 160.75%-140.2pp |
| Employer contribution / active EE | $2,514 | $3,538-28.9% | $4,859-48.3% | $2,671-5.9% |
| Participant deferral / active EE | $6,255 | $6,406-2.4% | $7,760-19.4% | $4,126+51.6% |
| Admin fee / account holder | $3,176 | $6,980-54.5% | $10,767-70.5% | $5,651-43.8% |