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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 | $117,895-20.9% | $102,460-9.0% | $145,897-36.1% |
| Participation rate | 80.0% | 78.6%+1.4pp | 76.5%+3.5pp | 80.3%-0.3pp |
| Annual return | 12.34% | 31.92%-19.6pp | 29.47%-17.1pp | 552.29%-540.0pp |
| Employer contribution / active EE | $1,814 | $3,619-49.9% | $3,025-40.0% | $4,663-61.1% |
| Participant deferral / active EE | $2,894 | $5,736-49.6% | $5,056-42.8% | $6,689-56.7% |
| Admin fee / account holder | $15,657 | $13,353+17.3% | $9,460+65.5% | $13,390+16.9% |