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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 | $54,962 | $100,125-45.1% | $81,482-32.5% | $145,978-62.3% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.5%+5.5pp | 80.3%-5.3pp |
| Annual return | 15.67% | 34.44%-18.8pp | 24.79%-9.1pp | 550.52%-534.8pp |
| Employer contribution / active EE | $2,061 | $2,977-30.8% | $2,463-16.3% | $4,662-55.8% |
| Participant deferral / active EE | $2,479 | $4,609-46.2% | $3,885-36.2% | $6,690-62.9% |
| Admin fee / account holder | $592 | $8,198-92.8% | $5,761-89.7% | $13,400-95.6% |