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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 | $53,927 | $107,666-49.9% | $102,184-47.2% | $154,746-65.2% |
| Participation rate | 73.9% | 83.7%-9.8pp | 82.6%-8.7pp | 80.7%-6.8pp |
| Annual return | 15.76% | 29.33%-13.6pp | 31.58%-15.8pp | 172.34%-156.6pp |
| Employer contribution / active EE | $4,923 | $3,846+28.0% | $3,594+37.0% | $4,379+12.4% |
| Participant deferral / active EE | $3,551 | $8,719-59.3% | $8,309-57.3% | $6,730-47.2% |
| Admin fee / account holder | $4,274 | $12,943-67.0% | $11,609-63.2% | $14,365-70.2% |