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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 | $45,765 | $95,959-52.3% | $97,411-53.0% | $138,895-67.1% |
| Participation rate | 75.0% | 81.8%-6.8pp | 80.4%-5.4pp | 79.9%-4.9pp |
| Annual return | 19.42% | 29.30%-9.9pp | 34.72%-15.3pp | 145.39%-126.0pp |
| Employer contribution / active EE | $3,013 | $4,278-29.6% | $4,210-28.4% | $4,194-28.2% |
| Participant deferral / active EE | $10,605 | $5,876+80.5% | $5,886+80.2% | $6,396+65.8% |
| Admin fee / account holder | $5,897 | $7,555-21.9% | $7,145-17.5% | $12,562-53.1% |