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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 | $77,477 | $127,779-39.4% | $106,551-27.3% | $167,518-53.8% |
| Participation rate | 81.8% | 78.3%+3.6pp | 76.1%+5.7pp | 82.1%-0.3pp |
| Annual return | 14.36% | 33.87%-19.5pp | 26.80%-12.4pp | 478.71%-464.3pp |
| Employer contribution / active EE | $2,495 | $3,427-27.2% | $2,819-11.5% | $4,838-48.4% |
| Participant deferral / active EE | $5,042 | $5,088-0.9% | $4,398+14.6% | $6,342-20.5% |
| Admin fee / account holder | $5,888 | $11,228-47.6% | $7,408-20.5% | $12,312-52.2% |