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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 | $63,289 | $78,423-19.3% | $95,964-34.0% | $79,856-20.7% |
| Participation rate | 72.6% | 73.5%-0.9pp | 77.1%-4.5pp | 69.6%+3.0pp |
| Annual return | 16.08% | 19.37%-3.3pp | 91.64%-75.6pp | 31.71%-15.6pp |
| Employer contribution / active EE | $1,056 | $1,945-45.7% | $2,541-58.4% | $2,471-57.3% |
| Participant deferral / active EE | $9,758 | $3,440+183.6% | $4,167+134.2% | $3,741+160.9% |
| Admin fee / account holder | $6,878 | $5,622+22.3% | $6,797+1.2% | $5,306+29.6% |