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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 | $28,852 | $136,860-78.9% | $120,344-76.0% | $154,746-81.4% |
| Participation rate | 81.8% | 79.9%+1.9pp | 76.7%+5.1pp | 80.7%+1.1pp |
| Annual return | 19.58% | 21.38%-1.8pp | 20.30%-0.7pp | 172.34%-152.8pp |
| Employer contribution / active EE | $2,686 | $3,533-24.0% | $3,020-11.1% | $4,379-38.7% |
| Participant deferral / active EE | $6,714 | $5,793+15.9% | $5,135+30.8% | $6,730-0.2% |
| Admin fee / account holder | $1,928 | $15,393-87.5% | $12,742-84.9% | $14,365-86.6% |