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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 | $63,991 | $80,992-21.0% | $96,534-33.7% | $75,173-14.9% |
| Participation rate | 74.1% | 71.8%+2.3pp | 76.0%-1.9pp | 67.2%+6.9pp |
| Annual return | 15.47% | 27.05%-11.6pp | 25.88%-10.4pp | 160.72%-145.2pp |
| Employer contribution / active EE | $2,196 | $2,283-3.8% | $2,965-26.0% | $2,671-17.8% |
| Participant deferral / active EE | $6,433 | $3,929+63.7% | $4,851+32.6% | $4,126+55.9% |
| Admin fee / account holder | $10,973 | $6,717+63.4% | $8,253+33.0% | $5,651+94.2% |