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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 | $68,327 | $83,485-18.2% | $125,195-45.4% | $72,976-6.4% |
| Participation rate | 70.0% | 73.3%-3.3pp | 79.8%-9.8pp | 69.5%+0.5pp |
| Annual return | 17.83% | 25.77%-7.9pp | 43.79%-26.0pp | 81.02%-63.2pp |
| Employer contribution / active EE | $2,485 | $2,346+5.9% | $3,866-35.7% | $2,440+1.9% |
| Participant deferral / active EE | $4,586 | $3,586+27.9% | $4,937-7.1% | $3,608+27.1% |
| Admin fee / account holder | $8,914 | $5,518+61.6% | $9,704-8.1% | $5,124+74.0% |