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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 | $95,987 | $98,760-2.8% | $149,715-35.9% | $79,858+20.2% |
| Participation rate | 77.5% | 75.8%+1.7pp | 82.5%-5.0pp | 69.6%+7.9pp |
| Annual return | 14.93% | 27.43%-12.5pp | 276.66%-261.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,326 | $3,217-27.7% | $4,645-49.9% | $2,471-5.9% |
| Participant deferral / active EE | $5,311 | $5,681-6.5% | $6,842-22.4% | $3,740+42.0% |
| Admin fee / account holder | $840 | $6,053-86.1% | $9,310-91.0% | $5,306-84.2% |