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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 | $100,476 | $136,860-26.6% | $120,344-16.5% | $154,746-35.1% |
| Participation rate | 85.7% | 79.9%+5.8pp | 76.7%+9.0pp | 80.7%+5.0pp |
| Annual return | 16.19% | 21.38%-5.2pp | 20.30%-4.1pp | 172.34%-156.1pp |
| Employer contribution / active EE | $2,050 | $3,533-42.0% | $3,020-32.1% | $4,379-53.2% |
| Participant deferral / active EE | $7,501 | $5,793+29.5% | $5,135+46.1% | $6,730+11.5% |
| Admin fee / account holder | $1,247 | $15,393-91.9% | $12,742-90.2% | $14,365-91.3% |