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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 | $76,604 | $106,864-28.3% | $147,318-48.0% | $82,637-7.3% |
| Participation rate | 79.1% | 75.5%+3.6pp | 82.1%-3.0pp | 68.1%+11.0pp |
| Annual return | 15.87% | 27.49%-11.6pp | 70.43%-54.6pp | 53.51%-37.6pp |
| Employer contribution / active EE | $2,109 | $3,417-38.3% | $4,593-54.1% | $2,552-17.4% |
| Participant deferral / active EE | $5,382 | $6,496-17.1% | $7,906-31.9% | $4,126+30.4% |
| Admin fee / account holder | $11,872 | $8,415+41.1% | $13,708-13.4% | $7,339+61.8% |