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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 | $73,749 | $78,690-6.3% | $161,489-54.3% | $87,485-15.7% |
| Participation rate | 72.4% | 67.5%+4.9pp | 78.7%-6.3pp | 68.9%+3.5pp |
| Annual return | 25.79% | 32.74%-7.0pp | 89.72%-63.9pp | 26.06%-0.3pp |
| Employer contribution / active EE | $2,301 | $2,588-11.1% | $4,268-46.1% | $2,596-11.4% |
| Participant deferral / active EE | $5,047 | $3,311+52.4% | $5,630-10.3% | $4,274+18.1% |
| Admin fee / account holder | $947 | $6,724-85.9% | $16,006-94.1% | $7,775-87.8% |