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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 | $65,332 | $76,551-14.7% | $123,894-47.3% | $62,881+3.9% |
| Participation rate | 71.1% | 73.0%-1.9pp | 81.4%-10.4pp | 69.3%+1.7pp |
| Annual return | 6.97% | 18.68%-11.7pp | 47.52%-40.5pp | 20.14%-13.2pp |
| Employer contribution / active EE | $2,072 | $2,882-28.1% | $4,617-55.1% | $2,281-9.2% |
| Participant deferral / active EE | $7,502 | $4,840+55.0% | $5,984+25.4% | $3,203+134.2% |
| Admin fee / account holder | $13,570 | $4,826+181.2% | $8,357+62.4% | $4,296+215.9% |