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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 | $85,627 | $93,598-8.5% | $135,974-37.0% | $75,173+13.9% |
| Participation rate | 71.2% | 75.2%-4.0pp | 81.9%-10.8pp | 67.2%+4.0pp |
| Annual return | 24.30% | 30.89%-6.6pp | 68.30%-44.0pp | 160.72%-136.4pp |
| Employer contribution / active EE | $2,339 | $3,538-33.9% | $4,859-51.9% | $2,671-12.4% |
| Participant deferral / active EE | $8,441 | $6,405+31.8% | $7,760+8.8% | $4,126+104.6% |
| Admin fee / account holder | $7,732 | $6,978+10.8% | $10,767-28.2% | $5,651+36.8% |