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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 | $63,146 | $83,485-24.4% | $125,195-49.6% | $72,976-13.5% |
| Participation rate | 73.8% | 73.3%+0.5pp | 79.8%-6.0pp | 69.5%+4.3pp |
| Annual return | 18.80% | 25.77%-7.0pp | 43.79%-25.0pp | 81.02%-62.2pp |
| Employer contribution / active EE | $1,592 | $2,346-32.1% | $3,866-58.8% | $2,440-34.8% |
| Participant deferral / active EE | $4,651 | $3,586+29.7% | $4,937-5.8% | $3,608+28.9% |
| Admin fee / account holder | $10,771 | $5,518+95.2% | $9,704+11.0% | $5,124+110.2% |