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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 | $94,803 | $99,875-5.1% | $146,866-35.4% | $86,983+9.0% |
| Participation rate | 70.6% | 75.8%-5.2pp | 82.5%-11.9pp | 69.5%+1.0pp |
| Annual return | 13.85% | 28.10%-14.3pp | 102.85%-89.0pp | 25.83%-12.0pp |
| Employer contribution / active EE | $2,692 | $3,224-16.5% | $4,425-39.2% | $2,584+4.2% |
| Participant deferral / active EE | $6,844 | $6,322+8.3% | $7,759-11.8% | $4,194+63.2% |
| Admin fee / account holder | $9,775 | $7,838+24.7% | $13,620-28.2% | $7,856+24.4% |