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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 | $72,928 | $73,955-1.4% | $96,520-24.4% | $75,181-3.0% |
| Participation rate | 81.1% | 66.4%+14.7pp | 74.3%+6.7pp | 67.2%+13.9pp |
| Annual return | 13.99% | 26.72%-12.7pp | 35.72%-21.7pp | 160.69%-146.7pp |
| Employer contribution / active EE | $1,903 | $2,930-35.1% | $3,739-49.1% | $2,671-28.8% |
| Participant deferral / active EE | $3,791 | $3,659+3.6% | $4,879-22.3% | $4,126-8.1% |
| Admin fee / account holder | $4,690 | $5,217-10.1% | $6,733-30.3% | $5,650-17.0% |