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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 | $73,244 | $103,392-29.2% | $87,104-15.9% | $152,897-52.1% |
| Participation rate | 81.0% | 79.4%+1.6pp | 76.9%+4.1pp | 82.5%-1.5pp |
| Annual return | 21.57% | 28.10%-6.5pp | 28.19%-6.6pp | 345.43%-323.9pp |
| Employer contribution / active EE | $1,627 | $3,221-49.5% | $2,521-35.5% | $4,764-65.8% |
| Participant deferral / active EE | $2,634 | $4,778-44.9% | $4,048-34.9% | $5,851-55.0% |
| Admin fee / account holder | $4,207 | $12,194-65.5% | $7,491-43.8% | $11,599-63.7% |