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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 | $86,588 | $98,766-12.3% | $149,730-42.2% | $79,852+8.4% |
| Participation rate | 72.7% | 75.8%-3.1pp | 82.5%-9.8pp | 69.6%+3.1pp |
| Annual return | 16.45% | 27.43%-11.0pp | 276.70%-260.3pp | 31.72%-15.3pp |
| Employer contribution / active EE | $1,898 | $3,217-41.0% | $4,645-59.1% | $2,471-23.2% |
| Participant deferral / active EE | $4,261 | $5,681-25.0% | $6,843-37.7% | $3,740+13.9% |
| Admin fee / account holder | $6,556 | $6,052+8.3% | $9,310-29.6% | $5,306+23.6% |