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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 | $54,254 | $106,864-49.2% | $147,318-63.2% | $82,637-34.3% |
| Participation rate | 76.5% | 75.5%+1.0pp | 82.1%-5.6pp | 68.1%+8.4pp |
| Annual return | 16.16% | 27.49%-11.3pp | 70.43%-54.3pp | 53.51%-37.3pp |
| Employer contribution / active EE | $924 | $3,417-73.0% | $4,593-79.9% | $2,552-63.8% |
| Participant deferral / active EE | $5,116 | $6,496-21.2% | $7,906-35.3% | $4,126+24.0% |
| Admin fee / account holder | $1,035 | $8,415-87.7% | $13,708-92.5% | $7,339-85.9% |