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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 | $93,598-16.2% | $135,974-42.3% | $75,173+4.3% |
| Participation rate | 78.5% | 75.2%+3.3pp | 81.9%-3.5pp | 67.2%+11.3pp |
| Annual return | 22.47% | 30.89%-8.4pp | 68.30%-45.8pp | 160.72%-138.3pp |
| Employer contribution / active EE | $2,763 | $3,538-21.9% | $4,859-43.1% | $2,671+3.4% |
| Participant deferral / active EE | $5,776 | $6,405-9.8% | $7,760-25.6% | $4,126+40.0% |
| Admin fee / account holder | $2,636 | $6,978-62.2% | $10,767-75.5% | $5,651-53.3% |