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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 | $76,040 | $100,279-24.2% | $81,353-6.5% | $145,884-47.9% |
| Participation rate | 76.2% | 74.3%+1.9pp | 69.5%+6.7pp | 80.3%-4.1pp |
| Annual return | 10.15% | 34.49%-24.3pp | 24.82%-14.7pp | 551.85%-541.7pp |
| Employer contribution / active EE | $1,890 | $2,979-36.6% | $2,464-23.3% | $4,662-59.5% |
| Participant deferral / active EE | $4,459 | $4,611-3.3% | $3,885+14.8% | $6,690-33.3% |
| Admin fee / account holder | $4,971 | $8,206-39.4% | $5,766-13.8% | $13,392-62.9% |