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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 | $77,658 | $99,875-22.2% | $146,866-47.1% | $86,983-10.7% |
| Participation rate | 71.2% | 75.8%-4.7pp | 82.5%-11.4pp | 69.5%+1.6pp |
| Annual return | 18.92% | 28.10%-9.2pp | 102.85%-83.9pp | 25.83%-6.9pp |
| Employer contribution / active EE | $3,158 | $3,224-2.1% | $4,425-28.6% | $2,584+22.2% |
| Participant deferral / active EE | $7,031 | $6,322+11.2% | $7,759-9.4% | $4,194+67.7% |
| Admin fee / account holder | $5,045 | $7,838-35.6% | $13,620-63.0% | $7,856-35.8% |