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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 | $94,006 | $106,749-11.9% | $145,433-35.4% | $82,448+14.0% |
| Participation rate | 73.1% | 75.6%-2.6pp | 82.1%-9.0pp | 68.1%+5.0pp |
| Annual return | 15.64% | 27.59%-12.0pp | 66.58%-50.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $3,394 | $3,444-1.5% | $4,554-25.5% | $2,551+33.0% |
| Participant deferral / active EE | $7,360 | $6,519+12.9% | $7,897-6.8% | $4,139+77.8% |
| Admin fee / account holder | $5,019 | $8,390-40.2% | $13,129-61.8% | $7,234-30.6% |