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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 | $61,138 | $112,729-45.8% | $98,716-38.1% | $137,256-55.5% |
| Participation rate | 76.2% | 74.2%+2.0pp | 69.3%+6.9pp | 80.0%-3.8pp |
| Annual return | 12.65% | 38.48%-25.8pp | 31.81%-19.2pp | 220.34%-207.7pp |
| Employer contribution / active EE | $1,978 | $2,725-27.4% | $2,279-13.2% | $4,156-52.4% |
| Participant deferral / active EE | $5,068 | $4,640+9.2% | $4,048+25.2% | $6,407-20.9% |
| Admin fee / account holder | $1,718 | $10,129-83.0% | $8,703-80.3% | $12,270-86.0% |