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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 | $98,943 | $106,749-7.3% | $145,433-32.0% | $82,448+20.0% |
| Participation rate | 81.1% | 75.6%+5.4pp | 82.1%-1.0pp | 68.1%+13.0pp |
| Annual return | 20.07% | 27.59%-7.5pp | 66.58%-46.5pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,379 | $3,444-60.0% | $4,554-69.7% | $2,551-45.9% |
| Participant deferral / active EE | $5,633 | $6,519-13.6% | $7,897-28.7% | $4,139+36.1% |
| Admin fee / account holder | $3,112 | $8,390-62.9% | $13,129-76.3% | $7,234-57.0% |