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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 | $87,877 | $124,330-29.3% | $109,173-19.5% | $167,536-47.5% |
| Participation rate | 78.6% | 79.5%-0.9pp | 75.9%+2.7pp | 82.1%-3.5pp |
| Annual return | 10.11% | 26.04%-15.9pp | 25.75%-15.6pp | 478.82%-468.7pp |
| Employer contribution / active EE | $3,571 | $4,209-15.2% | $3,723-4.1% | $4,839-26.2% |
| Participant deferral / active EE | $5,036 | $5,256-4.2% | $4,654+8.2% | $6,342-20.6% |
| Admin fee / account holder | $2,515 | $7,974-68.5% | $6,755-62.8% | $12,315-79.6% |