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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 | $73,301 | $93,617-21.7% | $135,982-46.1% | $75,177-2.5% |
| Participation rate | 76.9% | 75.2%+1.7pp | 81.9%-5.0pp | 67.2%+9.7pp |
| Annual return | 16.40% | 30.89%-14.5pp | 68.32%-51.9pp | 160.75%-144.4pp |
| Employer contribution / active EE | $2,771 | $3,538-21.7% | $4,859-43.0% | $2,671+3.7% |
| Participant deferral / active EE | $4,377 | $6,406-31.7% | $7,760-43.6% | $4,126+6.1% |
| Admin fee / account holder | $3,010 | $6,980-56.9% | $10,767-72.0% | $5,651-46.7% |