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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 | $76,244 | $92,219-17.3% | $76,767-0.7% | $135,380-43.7% |
| Participation rate | 75.0% | 79.8%-4.8pp | 77.0%-2.0pp | 82.6%-7.6pp |
| Annual return | 19.03% | 5.46%+13.6pp | 2.43%+16.6pp | 519.81%-500.8pp |
| Employer contribution / active EE | $2,179 | $3,216-32.2% | $2,485-12.3% | $4,779-54.4% |
| Participant deferral / active EE | $5,242 | $4,508+16.3% | $3,852+36.1% | $5,609-6.5% |
| Admin fee / account holder | $8,138 | $10,749-24.3% | $6,675+21.9% | $10,828-24.8% |