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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 | $81,946 | $93,617-12.5% | $135,982-39.7% | $75,177+9.0% |
| Participation rate | 79.0% | 75.2%+3.8pp | 81.9%-2.9pp | 67.2%+11.8pp |
| Annual return | 21.04% | 30.89%-9.8pp | 68.32%-47.3pp | 160.75%-139.7pp |
| Employer contribution / active EE | $5,652 | $3,538+59.7% | $4,859+16.3% | $2,671+111.6% |
| Participant deferral / active EE | $9,012 | $6,406+40.7% | $7,760+16.1% | $4,126+118.4% |
| Admin fee / account holder | $1,916 | $6,980-72.5% | $10,767-82.2% | $5,651-66.1% |