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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 | $68,897 | $106,749-35.5% | $145,433-52.6% | $82,448-16.4% |
| Participation rate | 80.6% | 75.6%+5.0pp | 82.1%-1.5pp | 68.1%+12.6pp |
| Annual return | 18.76% | 27.59%-8.8pp | 66.58%-47.8pp | 41.64%-22.9pp |
| Employer contribution / active EE | $2,532 | $3,444-26.5% | $4,554-44.4% | $2,551-0.7% |
| Participant deferral / active EE | $5,422 | $6,519-16.8% | $7,897-31.4% | $4,139+31.0% |
| Admin fee / account holder | $1,345 | $8,390-84.0% | $13,129-89.8% | $7,234-81.4% |