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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 | $62,243 | $136,860-54.5% | $120,344-48.3% | $154,746-59.8% |
| Participation rate | 73.7% | 79.9%-6.2pp | 76.7%-3.0pp | 80.7%-7.0pp |
| Annual return | 12.48% | 21.38%-8.9pp | 20.30%-7.8pp | 172.34%-159.9pp |
| Employer contribution / active EE | $2,098 | $3,533-40.6% | $3,020-30.5% | $4,379-52.1% |
| Participant deferral / active EE | $3,385 | $5,793-41.6% | $5,135-34.1% | $6,730-49.7% |
| Admin fee / account holder | $8,620 | $15,393-44.0% | $12,742-32.3% | $14,365-40.0% |