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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 | $83,933 | $93,598-10.3% | $135,974-38.3% | $75,173+11.7% |
| Participation rate | 71.1% | 75.2%-4.1pp | 81.9%-10.9pp | 67.2%+3.8pp |
| Annual return | 22.15% | 30.89%-8.7pp | 68.30%-46.2pp | 160.72%-138.6pp |
| Employer contribution / active EE | $2,856 | $3,538-19.3% | $4,859-41.2% | $2,671+6.9% |
| Participant deferral / active EE | $7,322 | $6,405+14.3% | $7,760-5.6% | $4,126+77.5% |
| Admin fee / account holder | $541 | $6,978-92.2% | $10,767-95.0% | $5,651-90.4% |