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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 | $93,129 | $215,361-56.8% | $171,082-45.6% | $273,972-66.0% |
| Participation rate | 75.0% | 82.0%-7.0pp | 76.7%-1.7pp | 83.0%-8.0pp |
| Annual return | 15.49% | 25.14%-9.6pp | 32.56%-17.1pp | 41.46%-26.0pp |
| Employer contribution / active EE | $3,981 | $4,967-19.9% | $4,002-0.5% | $4,869-18.2% |
| Participant deferral / active EE | $6,594 | $5,543+19.0% | $4,797+37.5% | $5,287+24.7% |
| Admin fee / account holder | $610 | $10,846-94.4% | $8,520-92.8% | $10,133-94.0% |