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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 | $107,421-10.9% | $182,262-47.5% | $94,015+1.8% |
| Participation rate | 70.4% | 77.8%-7.4pp | 84.2%-13.8pp | 70.8%-0.5pp |
| Annual return | 14.23% | 21.32%-7.1pp | 140.60%-126.4pp | 17.84%-3.6pp |
| Employer contribution / active EE | $4,691 | $3,448+36.1% | $5,046-7.0% | $2,790+68.1% |
| Participant deferral / active EE | $5,292 | $6,558-19.3% | $8,276-36.1% | $4,249+24.5% |
| Admin fee / account holder | $2,309 | $8,692-73.4% | $16,712-86.2% | $8,951-74.2% |