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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 | $66,926 | $78,520-14.8% | $96,576-30.7% | $82,448-18.8% |
| Participation rate | 75.5% | 77.7%-2.3pp | 81.4%-6.0pp | 68.1%+7.4pp |
| Annual return | 16.64% | 41.30%-24.7pp | 38.47%-21.8pp | 41.64%-25.0pp |
| Employer contribution / active EE | $2,391 | $2,630-9.1% | $3,553-32.7% | $2,551-6.3% |
| Participant deferral / active EE | $4,879 | $6,754-27.8% | $7,956-38.7% | $4,139+17.9% |
| Admin fee / account holder | $7,089 | $13,455-47.3% | $11,381-37.7% | $7,234-2.0% |