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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 | $55,468 | $112,729-50.8% | $98,716-43.8% | $137,256-59.6% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.3%+2.1pp | 80.0%-8.5pp |
| Annual return | 17.04% | 38.48%-21.4pp | 31.81%-14.8pp | 220.34%-203.3pp |
| Employer contribution / active EE | $2,614 | $2,725-4.1% | $2,279+14.7% | $4,156-37.1% |
| Participant deferral / active EE | $4,625 | $4,640-0.3% | $4,048+14.3% | $6,407-27.8% |
| Admin fee / account holder | $8,215 | $10,129-18.9% | $8,703-5.6% | $12,270-33.1% |