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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 | $91,177 | $108,825-16.2% | $156,181-41.6% | $82,448+10.6% |
| Participation rate | 75.0% | 72.4%+2.6pp | 78.8%-3.8pp | 68.1%+6.9pp |
| Annual return | 16.86% | 20.59%-3.7pp | 64.87%-48.0pp | 41.64%-24.8pp |
| Employer contribution / active EE | $3,316 | $2,870+15.6% | $4,294-22.8% | $2,551+30.0% |
| Participant deferral / active EE | $6,790 | $4,577+48.3% | $6,132+10.7% | $4,139+64.0% |
| Admin fee / account holder | $2,954 | $9,341-68.4% | $14,586-79.7% | $7,234-59.2% |