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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 | $73,882 | $93,617-21.1% | $135,982-45.7% | $75,177-1.7% |
| Participation rate | 92.3% | 75.2%+17.1pp | 81.9%+10.4pp | 67.2%+25.1pp |
| Annual return | 16.85% | 30.89%-14.0pp | 68.32%-51.5pp | 160.75%-143.9pp |
| Employer contribution / active EE | $2,122 | $3,538-40.0% | $4,859-56.3% | $2,671-20.5% |
| Participant deferral / active EE | $5,063 | $6,406-21.0% | $7,760-34.8% | $4,126+22.7% |
| Admin fee / account holder | $10,371 | $6,980+48.6% | $10,767-3.7% | $5,651+83.5% |