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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 | $97,046 | $106,749-9.1% | $145,433-33.3% | $82,448+17.7% |
| Participation rate | 70.7% | 75.6%-4.9pp | 82.1%-11.4pp | 68.1%+2.7pp |
| Annual return | 18.31% | 27.59%-9.3pp | 66.58%-48.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $2,607 | $3,444-24.3% | $4,554-42.8% | $2,551+2.2% |
| Participant deferral / active EE | $5,482 | $6,519-15.9% | $7,897-30.6% | $4,139+32.4% |
| Admin fee / account holder | $3,455 | $8,390-58.8% | $13,129-73.7% | $7,234-52.2% |