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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 | $74,093 | $81,358-8.9% | $155,556-52.4% | $80,959-8.5% |
| Participation rate | 73.3% | 66.3%+7.1pp | 78.2%-4.9pp | 67.7%+5.7pp |
| Annual return | 11.00% | 33.39%-22.4pp | 64.84%-53.8pp | 35.67%-24.7pp |
| Employer contribution / active EE | $2,438 | $3,106-21.5% | $4,675-47.9% | $2,757-11.6% |
| Participant deferral / active EE | $8,435 | $3,455+144.1% | $5,631+49.8% | $4,300+96.2% |
| Admin fee / account holder | $5,053 | $7,994-36.8% | $15,885-68.2% | $6,925-27.0% |