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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 | $112,930 | $136,860-17.5% | $120,344-6.2% | $154,746-27.0% |
| Participation rate | 71.4% | 79.9%-8.5pp | 76.7%-5.3pp | 80.7%-9.3pp |
| Annual return | 16.47% | 21.38%-4.9pp | 20.30%-3.8pp | 172.34%-155.9pp |
| Employer contribution / active EE | $1,245 | $3,533-64.8% | $3,020-58.8% | $4,379-71.6% |
| Participant deferral / active EE | $5,260 | $5,793-9.2% | $5,135+2.4% | $6,730-21.8% |
| Admin fee / account holder | $23,657 | $15,393+53.7% | $12,742+85.7% | $14,365+64.7% |