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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 | $76,523 | $77,962-1.8% | $178,540-57.1% | $80,935-5.5% |
| Participation rate | 84.6% | 65.7%+18.9pp | 77.1%+7.5pp | 67.7%+17.0pp |
| Annual return | 14.09% | 18.10%-4.0pp | 27.15%-13.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,793 | $2,280-21.4% | $3,953-54.6% | $2,757-34.9% |
| Participant deferral / active EE | $4,972 | $4,404+12.9% | $6,281-20.8% | $4,299+15.6% |
| Admin fee / account holder | $11,382 | $7,156+59.1% | $10,424+9.2% | $6,924+64.4% |