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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 | $77,486 | $93,064-16.7% | $74,577+3.9% | $273,972-71.7% |
| Participation rate | 70.6% | 74.9%-4.4pp | 68.1%+2.5pp | 83.0%-12.4pp |
| Annual return | 9.78% | 26.18%-16.4pp | 20.47%-10.7pp | 41.46%-31.7pp |
| Employer contribution / active EE | $2,013 | $3,160-36.3% | $2,525-20.3% | $4,869-58.7% |
| Participant deferral / active EE | $4,122 | $4,160-0.9% | $3,458+19.2% | $5,287-22.0% |
| Admin fee / account holder | $7,452 | $5,273+41.3% | $4,138+80.1% | $10,133-26.5% |