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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 | $106,524-10.2% | $152,301-37.2% | $87,485+9.4% |
| Participation rate | 70.4% | 75.8%-5.4pp | 82.4%-12.1pp | 68.9%+1.4pp |
| Annual return | 14.23% | 26.89%-12.7pp | 80.50%-66.3pp | 26.06%-11.8pp |
| Employer contribution / active EE | $4,691 | $3,371+39.1% | $4,624+1.4% | $2,596+80.7% |
| Participant deferral / active EE | $5,292 | $6,525-18.9% | $8,004-33.9% | $4,274+23.8% |
| Admin fee / account holder | $2,309 | $8,287-72.1% | $14,398-84.0% | $7,775-70.3% |