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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 | $85,615 | $102,245-16.3% | $89,340-4.2% | $137,256-37.6% |
| Participation rate | 77.8% | 74.9%+2.9pp | 69.6%+8.2pp | 80.0%-2.2pp |
| Annual return | 15.20% | 21.89%-6.7pp | 20.57%-5.4pp | 220.34%-205.1pp |
| Employer contribution / active EE | $2,027 | $2,529-19.9% | $2,231-9.2% | $4,156-51.2% |
| Participant deferral / active EE | $4,645 | $4,436+4.7% | $3,823+21.5% | $6,407-27.5% |
| Admin fee / account holder | $776 | $8,085-90.4% | $6,704-88.4% | $12,270-93.7% |