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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 | $58,925 | $106,247-44.5% | $96,515-38.9% | $139,466-57.7% |
| Participation rate | 78.3% | 77.8%+0.4pp | 74.3%+3.9pp | 80.3%-2.1pp |
| Annual return | 19.20% | 38.47%-19.3pp | 35.73%-16.5pp | 373.66%-354.5pp |
| Employer contribution / active EE | $2,949 | $4,106-28.2% | $3,740-21.2% | $4,754-38.0% |
| Participant deferral / active EE | $6,696 | $5,456+22.7% | $4,880+37.2% | $6,712-0.2% |
| Admin fee / account holder | $4,899 | $7,885-37.9% | $6,735-27.3% | $11,409-57.1% |