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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 | $91,403 | $138,386-34.0% | $184,260-50.4% | $80,935+12.9% |
| Participation rate | 77.5% | 83.9%-6.4pp | 86.8%-9.3pp | 67.7%+9.8pp |
| Annual return | 18.61% | 20.02%-1.4pp | 28.84%-10.2pp | 35.66%-17.1pp |
| Employer contribution / active EE | $3,946 | $4,851-18.7% | $6,427-38.6% | $2,757+43.1% |
| Participant deferral / active EE | $10,148 | $7,076+43.4% | $9,133+11.1% | $4,299+136.0% |
| Admin fee / account holder | $1,606 | $10,489-84.7% | $13,898-88.4% | $6,924-76.8% |