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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 | $76,038 | $88,707-14.3% | $74,184+2.5% | $273,972-72.2% |
| Participation rate | 76.2% | 79.4%-3.3pp | 76.6%-0.4pp | 83.0%-6.8pp |
| Annual return | 8.67% | 11.94%-3.3pp | 17.74%-9.1pp | 41.46%-32.8pp |
| Employer contribution / active EE | $2,543 | $3,159-19.5% | $2,370+7.3% | $4,869-47.8% |
| Participant deferral / active EE | $5,250 | $4,212+24.7% | $3,550+47.9% | $5,287-0.7% |
| Admin fee / account holder | $14,010 | $8,717+60.7% | $5,586+150.8% | $10,133+38.3% |