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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 | $75,562 | $142,972-47.1% | $214,702-64.8% | $86,983-13.1% |
| Participation rate | 82.8% | 84.9%-2.1pp | 87.5%-4.7pp | 69.5%+13.2pp |
| Annual return | 14.96% | 18.49%-3.5pp | 54.55%-39.6pp | 25.83%-10.9pp |
| Employer contribution / active EE | $3,680 | $4,635-20.6% | $6,461-43.0% | $2,584+42.4% |
| Participant deferral / active EE | $5,347 | $6,568-18.6% | $9,147-41.5% | $4,194+27.5% |
| Admin fee / account holder | $12,257 | $17,617-30.4% | $19,830-38.2% | $7,856+56.0% |