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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 | $87,420 | $123,793-29.4% | $177,840-50.8% | $79,852+9.5% |
| Participation rate | 85.2% | 84.7%+0.5pp | 87.7%-2.5pp | 69.6%+15.5pp |
| Annual return | 13.70% | 22.82%-9.1pp | 48.32%-34.6pp | 31.72%-18.0pp |
| Employer contribution / active EE | $2,607 | $4,095-36.3% | $5,919-55.9% | $2,471+5.5% |
| Participant deferral / active EE | $5,498 | $5,956-7.7% | $7,714-28.7% | $3,740+47.0% |
| Admin fee / account holder | $2,187 | $7,243-69.8% | $12,431-82.4% | $5,306-58.8% |