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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 | $106,864-27.3% | $147,318-47.3% | $82,637-6.0% |
| Participation rate | 71.2% | 75.5%-4.4pp | 82.1%-10.9pp | 68.1%+3.1pp |
| Annual return | 18.92% | 27.49%-8.6pp | 70.43%-51.5pp | 53.51%-34.6pp |
| Employer contribution / active EE | $3,158 | $3,417-7.6% | $4,593-31.3% | $2,552+23.7% |
| Participant deferral / active EE | $7,031 | $6,496+8.2% | $7,906-11.1% | $4,126+70.4% |
| Admin fee / account holder | $5,045 | $8,415-40.0% | $13,708-63.2% | $7,339-31.2% |