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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 | $90,387 | $102,245-11.6% | $89,340+1.2% | $137,256-34.1% |
| Participation rate | 75.0% | 74.9%+0.1pp | 69.6%+5.4pp | 80.0%-5.0pp |
| Annual return | 17.35% | 21.89%-4.5pp | 20.57%-3.2pp | 220.34%-203.0pp |
| Employer contribution / active EE | $2,272 | $2,529-10.2% | $2,231+1.8% | $4,156-45.3% |
| Participant deferral / active EE | $8,062 | $4,436+81.7% | $3,823+110.9% | $6,407+25.8% |
| Admin fee / account holder | $5,788 | $8,085-28.4% | $6,704-13.7% | $12,270-52.8% |