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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 | $100,979 | $125,797-19.7% | $170,043-40.6% | $75,173+34.3% |
| Participation rate | 76.8% | 83.6%-6.8pp | 87.0%-10.2pp | 67.2%+9.6pp |
| Annual return | 19.23% | 27.20%-8.0pp | 53.40%-34.2pp | 160.72%-141.5pp |
| Employer contribution / active EE | $2,737 | $4,616-40.7% | $6,790-59.7% | $2,671+2.5% |
| Participant deferral / active EE | $6,257 | $6,838-8.5% | $10,410-39.9% | $4,126+51.6% |
| Admin fee / account holder | $2,650 | $8,177-67.6% | $12,824-79.3% | $5,651-53.1% |