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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 | $89,090 | $107,733-17.3% | $92,985-4.2% | $154,746-42.4% |
| Participation rate | 71.4% | 74.6%-3.1pp | 69.5%+1.9pp | 80.7%-9.3pp |
| Annual return | 14.98% | 30.39%-15.4pp | 27.99%-13.0pp | 172.34%-157.4pp |
| Employer contribution / active EE | $2,600 | $3,126-16.8% | $2,662-2.3% | $4,379-40.6% |
| Participant deferral / active EE | $6,412 | $5,053+26.9% | $4,377+46.5% | $6,730-4.7% |
| Admin fee / account holder | $872 | $11,369-92.3% | $9,463-90.8% | $14,365-93.9% |