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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 | $89,635 | $123,793-27.6% | $177,848-49.6% | $79,856+12.2% |
| Participation rate | 85.0% | 84.7%+0.3pp | 87.7%-2.7pp | 69.6%+15.4pp |
| Annual return | 11.56% | 22.82%-11.3pp | 48.33%-36.8pp | 31.71%-20.2pp |
| Employer contribution / active EE | $1,726 | $4,095-57.9% | $5,919-70.8% | $2,471-30.2% |
| Participant deferral / active EE | $5,124 | $5,956-14.0% | $7,714-33.6% | $3,741+37.0% |
| Admin fee / account holder | $2,490 | $7,243-65.6% | $12,431-80.0% | $5,306-53.1% |