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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 | $81,870 | $114,712-28.6% | $173,730-52.9% | $87,485-6.4% |
| Participation rate | 71.9% | 73.0%-1.1pp | 79.6%-7.7pp | 68.9%+3.0pp |
| Annual return | 13.63% | 20.18%-6.6pp | 19.96%-6.3pp | 26.06%-12.4pp |
| Employer contribution / active EE | $2,085 | $2,904-28.2% | $4,577-54.5% | $2,596-19.7% |
| Participant deferral / active EE | $4,290 | $4,642-7.6% | $6,326-32.2% | $4,274+0.4% |
| Admin fee / account holder | $3,738 | $10,210-63.4% | $17,523-78.7% | $7,775-51.9% |