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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 | $83,757 | $138,312-39.4% | $122,979-31.9% | $155,188-46.0% |
| Participation rate | 86.4% | 80.2%+6.2pp | 77.2%+9.2pp | 80.8%+5.6pp |
| Annual return | 16.45% | 22.06%-5.6pp | 20.12%-3.7pp | 148.84%-132.4pp |
| Employer contribution / active EE | $4,758 | $3,530+34.8% | $3,062+55.4% | $4,248+12.0% |
| Participant deferral / active EE | $5,145 | $5,592-8.0% | $5,003+2.8% | $6,531-21.2% |
| Admin fee / account holder | $2,652 | $15,089-82.4% | $12,864-79.4% | $14,480-81.7% |