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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 | $59,506 | $101,763-41.5% | $164,866-63.9% | $80,874-26.4% |
| Participation rate | 70.0% | 71.8%-1.8pp | 78.6%-8.6pp | 67.6%+2.4pp |
| Annual return | 12.77% | 16.73%-4.0pp | 69.97%-57.2pp | 35.62%-22.8pp |
| Employer contribution / active EE | $2,150 | $2,954-27.2% | $4,343-50.5% | $2,756-22.0% |
| Participant deferral / active EE | $3,003 | $4,477-32.9% | $6,033-50.2% | $4,297-30.1% |
| Admin fee / account holder | $5,464 | $8,228-33.6% | $12,689-56.9% | $6,935-21.2% |