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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 | $74,244 | $93,589-20.7% | $135,942-45.4% | $75,181-1.2% |
| Participation rate | 77.5% | 75.2%+2.3pp | 81.9%-4.4pp | 67.2%+10.3pp |
| Annual return | 16.21% | 30.90%-14.7pp | 68.28%-52.1pp | 160.69%-144.5pp |
| Employer contribution / active EE | $2,753 | $3,537-22.2% | $4,858-43.3% | $2,671+3.1% |
| Participant deferral / active EE | $8,076 | $6,405+26.1% | $7,759+4.1% | $4,126+95.7% |
| Admin fee / account holder | $1,545 | $6,977-77.9% | $10,764-85.6% | $5,650-72.6% |