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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 | $112,324 | $125,797-10.7% | $170,043-33.9% | $75,173+49.4% |
| Participation rate | 72.0% | 83.6%-11.6pp | 87.0%-15.0pp | 67.2%+4.8pp |
| Annual return | 19.00% | 27.20%-8.2pp | 53.40%-34.4pp | 160.72%-141.7pp |
| Employer contribution / active EE | $4,305 | $4,616-6.7% | $6,790-36.6% | $2,671+61.2% |
| Participant deferral / active EE | $6,572 | $6,838-3.9% | $10,410-36.9% | $4,126+59.3% |
| Admin fee / account holder | $2,069 | $8,177-74.7% | $12,824-83.9% | $5,651-63.4% |