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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 | $76,210 | $77,460-1.6% | $100,378-24.1% | $80,925-5.8% |
| Participation rate | 76.6% | 76.9%-0.4pp | 81.5%-4.9pp | 67.7%+8.9pp |
| Annual return | 14.16% | 37.24%-23.1pp | 49.41%-35.3pp | 35.65%-21.5pp |
| Employer contribution / active EE | $2,346 | $2,801-16.3% | $3,942-40.5% | $2,756-14.9% |
| Participant deferral / active EE | $5,445 | $6,818-20.1% | $8,087-32.7% | $4,299+26.7% |
| Admin fee / account holder | $364 | $5,887-93.8% | $7,899-95.4% | $6,940-94.8% |