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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 | $64,441 | $93,598-31.2% | $135,974-52.6% | $75,173-14.3% |
| Participation rate | 78.4% | 75.2%+3.2pp | 81.9%-3.5pp | 67.2%+11.2pp |
| Annual return | 18.47% | 30.89%-12.4pp | 68.30%-49.8pp | 160.72%-142.3pp |
| Employer contribution / active EE | $2,923 | $3,538-17.4% | $4,859-39.9% | $2,671+9.4% |
| Participant deferral / active EE | $6,016 | $6,405-6.1% | $7,760-22.5% | $4,126+45.8% |
| Admin fee / account holder | $8,030 | $6,978+15.1% | $10,767-25.4% | $5,651+42.1% |