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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 | $83,504 | $84,236-0.9% | $170,435-51.0% | $70,126+19.1% |
| Participation rate | 88.1% | 70.8%+17.3pp | 83.6%+4.5pp | 69.5%+18.6pp |
| Annual return | 13.55% | 23.06%-9.5pp | 205.94%-192.4pp | 73.15%-59.6pp |
| Employer contribution / active EE | $3,525 | $3,387+4.1% | $5,432-35.1% | $2,343+50.5% |
| Participant deferral / active EE | $4,389 | $3,086+42.2% | $4,939-11.1% | $3,332+31.7% |
| Admin fee / account holder | $4,267 | $5,698-25.1% | $13,881-69.3% | $4,645-8.1% |