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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 | $81,022 | $161,352-49.8% | $134,172-39.6% | $137,256-41.0% |
| Participation rate | 77.8% | 78.3%-0.5pp | 72.5%+5.3pp | 80.0%-2.2pp |
| Annual return | 18.35% | 28.72%-10.4pp | 25.30%-6.9pp | 220.34%-202.0pp |
| Employer contribution / active EE | $2,521 | $4,099-38.5% | $3,420-26.3% | $4,156-39.3% |
| Participant deferral / active EE | $12,592 | $5,552+126.8% | $4,690+168.5% | $6,407+96.5% |
| Admin fee / account holder | $747 | $15,028-95.0% | $12,016-93.8% | $12,270-93.9% |