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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 | $54,303 | $136,860-60.3% | $120,344-54.9% | $154,746-64.9% |
| Participation rate | 83.3% | 79.9%+3.4pp | 76.7%+6.6pp | 80.7%+2.6pp |
| Annual return | 16.58% | 21.38%-4.8pp | 20.30%-3.7pp | 172.34%-155.8pp |
| Employer contribution / active EE | $2,500 | $3,533-29.2% | $3,020-17.2% | $4,379-42.9% |
| Participant deferral / active EE | $4,829 | $5,793-16.6% | $5,135-6.0% | $6,730-28.3% |
| Admin fee / account holder | $1,297 | $15,393-91.6% | $12,742-89.8% | $14,365-91.0% |