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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 | $84,327 | $108,825-22.5% | $156,181-46.0% | $82,448+2.3% |
| Participation rate | 75.0% | 72.4%+2.6pp | 78.8%-3.8pp | 68.1%+6.9pp |
| Annual return | 24.13% | 20.59%+3.5pp | 64.87%-40.7pp | 41.64%-17.5pp |
| Employer contribution / active EE | $2,827 | $2,870-1.5% | $4,294-34.2% | $2,551+10.8% |
| Participant deferral / active EE | $8,731 | $4,577+90.7% | $6,132+42.4% | $4,139+110.9% |
| Admin fee / account holder | $7,846 | $9,341-16.0% | $14,586-46.2% | $7,234+8.5% |