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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 | $52,310 | $101,752-48.6% | $164,928-68.3% | $80,911-35.3% |
| Participation rate | 70.7% | 71.8%-1.1pp | 78.6%-7.9pp | 67.6%+3.1pp |
| Annual return | 10.96% | 16.73%-5.8pp | 70.08%-59.1pp | 35.63%-24.7pp |
| Employer contribution / active EE | $5,802 | $2,953+96.5% | $4,343+33.6% | $2,756+110.5% |
| Participant deferral / active EE | $4,423 | $4,477-1.2% | $6,034-26.7% | $4,297+2.9% |
| Admin fee / account holder | $16,147 | $8,218+96.5% | $12,684+27.3% | $6,935+132.8% |