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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 | $24,973 | $112,729-77.8% | $98,716-74.7% | $137,256-81.8% |
| Participation rate | 78.9% | 74.2%+4.7pp | 69.3%+9.7pp | 80.0%-1.0pp |
| Annual return | 14.81% | 38.48%-23.7pp | 31.81%-17.0pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,070 | $2,725-24.0% | $2,279-9.1% | $4,156-50.2% |
| Participant deferral / active EE | $3,998 | $4,640-13.8% | $4,048-1.2% | $6,407-37.6% |
| Admin fee / account holder | $6,435 | $10,129-36.5% | $8,703-26.1% | $12,270-47.6% |