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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 | $51,855 | $146,267-64.5% | $197,124-73.7% | $82,448-37.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 86.7%-3.4pp | 68.1%+15.3pp |
| Annual return | 19.48% | 29.61%-10.1pp | 44.34%-24.9pp | 41.64%-22.2pp |
| Employer contribution / active EE | $6,208 | $4,723+31.4% | $6,227-0.3% | $2,551+143.4% |
| Participant deferral / active EE | $9,549 | $7,035+35.7% | $9,135+4.5% | $4,139+130.7% |
| Admin fee / account holder | $3,140 | $14,422-78.2% | $16,298-80.7% | $7,234-56.6% |