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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 | $72,047 | $109,359-34.1% | $162,185-55.6% | $72,976-1.3% |
| Participation rate | 85.0% | 84.3%+0.7pp | 87.6%-2.6pp | 69.5%+15.5pp |
| Annual return | 18.71% | 25.46%-6.7pp | 115.61%-96.9pp | 81.02%-62.3pp |
| Employer contribution / active EE | $1,923 | $3,907-50.8% | $5,613-65.7% | $2,440-21.2% |
| Participant deferral / active EE | $5,188 | $5,481-5.4% | $7,297-28.9% | $3,608+43.8% |
| Admin fee / account holder | $8,846 | $7,972+11.0% | $10,844-18.4% | $5,124+72.6% |