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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 | $73,961 | $106,524-30.6% | $152,301-51.4% | $87,485-15.5% |
| Participation rate | 76.9% | 75.8%+1.2pp | 82.4%-5.5pp | 68.9%+8.0pp |
| Annual return | 19.16% | 26.89%-7.7pp | 80.50%-61.3pp | 26.06%-6.9pp |
| Employer contribution / active EE | $2,824 | $3,371-16.2% | $4,624-38.9% | $2,596+8.8% |
| Participant deferral / active EE | $6,432 | $6,525-1.4% | $8,004-19.6% | $4,274+50.5% |
| Admin fee / account holder | $605 | $8,287-92.7% | $14,398-95.8% | $7,775-92.2% |