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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 | $78,197-14.4% | $98,090-31.8% | $82,637-19.0% |
| Participation rate | 75.5% | 77.5%-2.0pp | 81.5%-6.1pp | 68.1%+7.4pp |
| Annual return | 16.64% | 40.25%-23.6pp | 37.05%-20.4pp | 53.51%-36.9pp |
| Employer contribution / active EE | $2,391 | $2,605-8.2% | $3,606-33.7% | $2,552-6.3% |
| Participant deferral / active EE | $4,879 | $6,636-26.5% | $7,845-37.8% | $4,126+18.3% |
| Admin fee / account holder | $7,089 | $14,832-52.2% | $11,815-40.0% | $7,339-3.4% |