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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 | $74,480 | $93,589-20.4% | $135,942-45.2% | $75,181-0.9% |
| Participation rate | 83.0% | 75.2%+7.8pp | 81.9%+1.1pp | 67.2%+15.8pp |
| Annual return | 17.89% | 30.90%-13.0pp | 68.28%-50.4pp | 160.69%-142.8pp |
| Employer contribution / active EE | $2,023 | $3,537-42.8% | $4,858-58.3% | $2,671-24.2% |
| Participant deferral / active EE | $6,217 | $6,405-2.9% | $7,759-19.9% | $4,126+50.7% |
| Admin fee / account holder | $2,197 | $6,977-68.5% | $10,764-79.6% | $5,650-61.1% |