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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 | $110,137-25.7% | $161,149-49.2% | $82,637-0.9% |
| Participation rate | 71.9% | 72.4%-0.4pp | 78.8%-6.9pp | 68.1%+3.9pp |
| Annual return | 13.63% | 20.69%-7.1pp | 21.16%-7.5pp | 53.51%-39.9pp |
| Employer contribution / active EE | $2,085 | $2,856-27.0% | $4,360-52.2% | $2,552-18.3% |
| Participant deferral / active EE | $4,290 | $4,575-6.2% | $6,153-30.3% | $4,126+4.0% |
| Admin fee / account holder | $3,738 | $9,467-60.5% | $15,194-75.4% | $7,339-49.1% |