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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 | $86,457 | $98,776-12.5% | $149,745-42.3% | $79,856+8.3% |
| Participation rate | 73.7% | 75.8%-2.1pp | 82.5%-8.8pp | 69.6%+4.0pp |
| Annual return | 17.40% | 27.38%-10.0pp | 276.72%-259.3pp | 31.71%-14.3pp |
| Employer contribution / active EE | $2,633 | $3,217-18.2% | $4,646-43.3% | $2,471+6.6% |
| Participant deferral / active EE | $5,352 | $5,681-5.8% | $6,843-21.8% | $3,741+43.1% |
| Admin fee / account holder | $714 | $6,053-88.2% | $9,312-92.3% | $5,306-86.5% |