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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 | $69,732 | $138,386-49.6% | $184,260-62.2% | $80,935-13.8% |
| Participation rate | 83.0% | 83.9%-0.9pp | 86.8%-3.8pp | 67.7%+15.3pp |
| Annual return | 14.97% | 20.02%-5.0pp | 28.84%-13.9pp | 35.66%-20.7pp |
| Employer contribution / active EE | $3,207 | $4,851-33.9% | $6,427-50.1% | $2,757+16.3% |
| Participant deferral / active EE | $7,696 | $7,076+8.8% | $9,133-15.7% | $4,299+79.0% |
| Admin fee / account holder | $8,311 | $10,489-20.8% | $13,898-40.2% | $6,924+20.0% |