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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 | $78,398 | $93,589-16.2% | $135,942-42.3% | $75,181+4.3% |
| Participation rate | 78.5% | 75.2%+3.3pp | 81.9%-3.5pp | 67.2%+11.3pp |
| Annual return | 22.47% | 30.90%-8.4pp | 68.28%-45.8pp | 160.69%-138.2pp |
| Employer contribution / active EE | $2,763 | $3,537-21.9% | $4,858-43.1% | $2,671+3.5% |
| Participant deferral / active EE | $5,776 | $6,405-9.8% | $7,759-25.6% | $4,126+40.0% |
| Admin fee / account holder | $2,636 | $6,977-62.2% | $10,764-75.5% | $5,650-53.3% |