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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 | $143,969-47.5% | $199,883-62.2% | $82,637-8.6% |
| Participation rate | 82.8% | 84.1%-1.4pp | 86.8%-4.0pp | 68.1%+14.7pp |
| Annual return | 14.96% | 25.67%-10.7pp | 43.81%-28.8pp | 53.51%-38.5pp |
| Employer contribution / active EE | $3,680 | $4,632-20.5% | $6,261-41.2% | $2,552+44.2% |
| Participant deferral / active EE | $5,347 | $6,937-22.9% | $9,138-41.5% | $4,126+29.6% |
| Admin fee / account holder | $12,257 | $14,597-16.0% | $17,268-29.0% | $7,339+67.0% |