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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 | $86,638 | $93,598-7.4% | $135,974-36.3% | $75,173+15.3% |
| Participation rate | 81.3% | 75.2%+6.1pp | 81.9%-0.7pp | 67.2%+14.0pp |
| Annual return | 18.10% | 30.89%-12.8pp | 68.30%-50.2pp | 160.72%-142.6pp |
| Employer contribution / active EE | $2,416 | $3,538-31.7% | $4,859-50.3% | $2,671-9.5% |
| Participant deferral / active EE | $8,281 | $6,405+29.3% | $7,760+6.7% | $4,126+100.7% |
| Admin fee / account holder | $1,455 | $6,978-79.2% | $10,767-86.5% | $5,651-74.3% |