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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 | $50,078 | $93,589-46.5% | $135,942-63.2% | $75,181-33.4% |
| Participation rate | 85.5% | 75.2%+10.3pp | 81.9%+3.5pp | 67.2%+18.3pp |
| Annual return | 18.95% | 30.90%-12.0pp | 68.28%-49.3pp | 160.69%-141.7pp |
| Employer contribution / active EE | $2,641 | $3,537-25.3% | $4,858-45.6% | $2,671-1.1% |
| Participant deferral / active EE | $6,256 | $6,405-2.3% | $7,759-19.4% | $4,126+51.6% |
| Admin fee / account holder | $7,678 | $6,977+10.0% | $10,764-28.7% | $5,650+35.9% |