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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 | $95,689 | $106,749-10.4% | $145,433-34.2% | $82,448+16.1% |
| Participation rate | 70.4% | 75.6%-5.3pp | 82.1%-11.7pp | 68.1%+2.3pp |
| Annual return | 14.23% | 27.59%-13.4pp | 66.58%-52.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $4,691 | $3,444+36.2% | $4,554+3.0% | $2,551+83.9% |
| Participant deferral / active EE | $5,292 | $6,519-18.8% | $7,897-33.0% | $4,139+27.9% |
| Admin fee / account holder | $2,309 | $8,390-72.5% | $13,129-82.4% | $7,234-68.1% |