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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 | $72,895 | $106,749-31.7% | $145,433-49.9% | $82,448-11.6% |
| Participation rate | 73.1% | 75.6%-2.6pp | 82.1%-9.0pp | 68.1%+5.0pp |
| Annual return | 16.96% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,564 | $3,444-25.6% | $4,554-43.7% | $2,551+0.5% |
| Participant deferral / active EE | $4,122 | $6,519-36.8% | $7,897-47.8% | $4,139-0.4% |
| Admin fee / account holder | $732 | $8,390-91.3% | $13,129-94.4% | $7,234-89.9% |