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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 | $106,864-35.5% | $147,318-53.2% | $82,637-16.6% |
| Participation rate | 80.6% | 75.5%+5.1pp | 82.1%-1.4pp | 68.1%+12.6pp |
| Annual return | 18.76% | 27.49%-8.7pp | 70.43%-51.7pp | 53.51%-34.8pp |
| Employer contribution / active EE | $2,532 | $3,417-25.9% | $4,593-44.9% | $2,552-0.8% |
| Participant deferral / active EE | $5,422 | $6,496-16.5% | $7,906-31.4% | $4,126+31.4% |
| Admin fee / account holder | $1,345 | $8,415-84.0% | $13,708-90.2% | $7,339-81.7% |