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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 | $66,640 | $117,433-43.3% | $99,475-33.0% | $152,897-56.4% |
| Participation rate | 82.4% | 77.5%+4.8pp | 73.8%+8.5pp | 82.5%-0.1pp |
| Annual return | 22.76% | 31.87%-9.1pp | 30.72%-8.0pp | 345.43%-322.7pp |
| Employer contribution / active EE | $2,272 | $3,013-24.6% | $2,540-10.5% | $4,764-52.3% |
| Participant deferral / active EE | $2,190 | $4,086-46.4% | $3,619-39.5% | $5,851-62.6% |
| Admin fee / account holder | $1,796 | $7,634-76.5% | $6,252-71.3% | $11,599-84.5% |