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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 | $85,340 | $162,785-47.6% | $133,959-36.3% | $158,950-46.3% |
| Participation rate | 75.0% | 83.2%-8.2pp | 79.8%-4.8pp | 82.0%-7.0pp |
| Annual return | 12.77% | 41.94%-29.2pp | 45.09%-32.3pp | 302.91%-290.1pp |
| Employer contribution / active EE | $1,461 | $4,975-70.6% | $3,919-62.7% | $4,762-69.3% |
| Participant deferral / active EE | $5,850 | $5,910-1.0% | $5,047+15.9% | $5,983-2.2% |
| Admin fee / account holder | $9,249 | $11,738-21.2% | $8,928+3.6% | $11,248-17.8% |