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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 | $76,967 | $112,729-31.7% | $98,716-22.0% | $137,256-43.9% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.3%+5.7pp | 80.0%-5.0pp |
| Annual return | 17.79% | 38.48%-20.7pp | 31.81%-14.0pp | 220.34%-202.5pp |
| Employer contribution / active EE | $1,460 | $2,725-46.4% | $2,279-35.9% | $4,156-64.9% |
| Participant deferral / active EE | $2,214 | $4,640-52.3% | $4,048-45.3% | $6,407-65.4% |
| Admin fee / account holder | $454 | $10,129-95.5% | $8,703-94.8% | $12,270-96.3% |