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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 | $81,262-8.8% | $155,602-52.4% | $80,911-8.4% |
| Participation rate | 73.3% | 66.2%+7.1pp | 78.2%-4.9pp | 67.6%+5.7pp |
| Annual return | 11.00% | 33.34%-22.3pp | 64.81%-53.8pp | 35.63%-24.6pp |
| Employer contribution / active EE | $2,438 | $3,102-21.4% | $4,675-47.9% | $2,756-11.5% |
| Participant deferral / active EE | $8,435 | $3,451+144.4% | $5,629+49.9% | $4,297+96.3% |
| Admin fee / account holder | $5,053 | $7,992-36.8% | $15,923-68.3% | $6,935-27.1% |