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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 | $74,696 | $87,059-14.2% | $105,608-29.3% | $80,925-7.7% |
| Participation rate | 80.8% | 70.4%+10.3pp | 75.3%+5.5pp | 67.7%+13.1pp |
| Annual return | 12.50% | 17.05%-4.5pp | 116.50%-104.0pp | 35.65%-23.1pp |
| Employer contribution / active EE | $2,066 | $2,396-13.8% | $3,167-34.8% | $2,756-25.0% |
| Participant deferral / active EE | $3,888 | $3,986-2.5% | $5,010-22.4% | $4,299-9.6% |
| Admin fee / account holder | $3,324 | $8,443-60.6% | $11,028-69.9% | $6,940-52.1% |