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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 | $45,710 | $106,749-57.2% | $145,433-68.6% | $82,448-44.6% |
| Participation rate | 80.0% | 75.6%+4.4pp | 82.1%-2.1pp | 68.1%+11.9pp |
| Annual return | 14.36% | 27.59%-13.2pp | 66.58%-52.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $2,671 | $3,444-22.5% | $4,554-41.4% | $2,551+4.7% |
| Participant deferral / active EE | $5,408 | $6,519-17.0% | $7,897-31.5% | $4,139+30.6% |
| Admin fee / account holder | $12,724 | $8,390+51.7% | $13,129-3.1% | $7,234+75.9% |