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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 | $84,894 | $106,749-20.5% | $145,433-41.6% | $82,448+3.0% |
| Participation rate | 81.5% | 75.6%+5.8pp | 82.1%-0.6pp | 68.1%+13.4pp |
| Annual return | 17.73% | 27.59%-9.9pp | 66.58%-48.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,697 | $3,444-50.7% | $4,554-62.7% | $2,551-33.5% |
| Participant deferral / active EE | $3,854 | $6,519-40.9% | $7,897-51.2% | $4,139-6.9% |
| Admin fee / account holder | $2,280 | $8,390-72.8% | $13,129-82.6% | $7,234-68.5% |