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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 | $57,921 | $106,749-45.7% | $145,433-60.2% | $82,448-29.7% |
| Participation rate | 75.0% | 75.6%-0.6pp | 82.1%-7.1pp | 68.1%+6.9pp |
| Annual return | 17.36% | 27.59%-10.2pp | 66.58%-49.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,666 | $3,444-51.6% | $4,554-63.4% | $2,551-34.7% |
| Participant deferral / active EE | $6,089 | $6,519-6.6% | $7,897-22.9% | $4,139+47.1% |
| Admin fee / account holder | $7,432 | $8,390-11.4% | $13,129-43.4% | $7,234+2.7% |