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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 | $86,919 | $95,404-8.9% | $113,397-23.3% | $82,637+5.2% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.5%-6.5pp | 68.1%+1.9pp |
| Annual return | 17.46% | 19.08%-1.6pp | 23.20%-5.7pp | 53.51%-36.0pp |
| Employer contribution / active EE | $4,617 | $2,307+100.2% | $2,977+55.1% | $2,552+80.9% |
| Participant deferral / active EE | $11,422 | $4,220+170.7% | $5,076+125.0% | $4,126+176.8% |
| Admin fee / account holder | $3,938 | $9,168-57.0% | $11,957-67.1% | $7,339-46.3% |