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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 | $77,444 | $106,524-27.3% | $152,301-49.2% | $87,485-11.5% |
| Participation rate | 80.5% | 75.8%+4.7pp | 82.4%-2.0pp | 68.9%+11.6pp |
| Annual return | 15.25% | 26.89%-11.6pp | 80.50%-65.3pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,921 | $3,371-43.0% | $4,624-58.5% | $2,596-26.0% |
| Participant deferral / active EE | $6,547 | $6,525+0.3% | $8,004-18.2% | $4,274+53.2% |
| Admin fee / account holder | $5,750 | $8,287-30.6% | $14,398-60.1% | $7,775-26.0% |