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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 | $93,260 | $117,829-20.9% | $102,423-8.9% | $145,877-36.1% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 12.34% | 31.83%-19.5pp | 29.42%-17.1pp | 551.28%-538.9pp |
| Employer contribution / active EE | $1,814 | $3,615-49.8% | $3,023-40.0% | $4,663-61.1% |
| Participant deferral / active EE | $2,894 | $5,732-49.5% | $5,054-42.8% | $6,691-56.8% |
| Admin fee / account holder | $15,657 | $13,335+17.4% | $9,455+65.6% | $13,402+16.8% |