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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 | $75,497 | $146,267-48.4% | $197,124-61.7% | $82,448-8.4% |
| Participation rate | 84.3% | 84.0%+0.3pp | 86.7%-2.4pp | 68.1%+16.2pp |
| Annual return | 18.05% | 29.61%-11.6pp | 44.34%-26.3pp | 41.64%-23.6pp |
| Employer contribution / active EE | $3,830 | $4,723-18.9% | $6,227-38.5% | $2,551+50.1% |
| Participant deferral / active EE | $9,159 | $7,035+30.2% | $9,135+0.3% | $4,139+121.3% |
| Admin fee / account holder | $1,500 | $14,422-89.6% | $16,298-90.8% | $7,234-79.3% |