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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 | $87,391 | $125,797-30.5% | $170,043-48.6% | $75,173+16.3% |
| Participation rate | 86.7% | 83.6%+3.1pp | 87.0%-0.3pp | 67.2%+19.5pp |
| Annual return | 16.92% | 27.20%-10.3pp | 53.40%-36.5pp | 160.72%-143.8pp |
| Employer contribution / active EE | $2,225 | $4,616-51.8% | $6,790-67.2% | $2,671-16.7% |
| Participant deferral / active EE | $6,124 | $6,838-10.4% | $10,410-41.2% | $4,126+48.4% |
| Admin fee / account holder | $9,912 | $8,177+21.2% | $12,824-22.7% | $5,651+75.4% |