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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 | $82,862 | $93,598-11.5% | $135,974-39.1% | $75,173+10.2% |
| Participation rate | 76.7% | 75.2%+1.5pp | 81.9%-5.2pp | 67.2%+9.5pp |
| Annual return | 15.59% | 30.89%-15.3pp | 68.30%-52.7pp | 160.72%-145.1pp |
| Employer contribution / active EE | $5,293 | $3,538+49.6% | $4,859+8.9% | $2,671+98.2% |
| Participant deferral / active EE | $4,184 | $6,405-34.7% | $7,760-46.1% | $4,126+1.4% |
| Admin fee / account holder | $6,696 | $6,978-4.0% | $10,767-37.8% | $5,651+18.5% |