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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 | $67,302 | $106,749-37.0% | $145,433-53.7% | $82,448-18.4% |
| Participation rate | 71.2% | 75.6%-4.4pp | 82.1%-10.9pp | 68.1%+3.1pp |
| Annual return | 22.90% | 27.59%-4.7pp | 66.58%-43.7pp | 41.64%-18.7pp |
| Employer contribution / active EE | $3,157 | $3,444-8.3% | $4,554-30.7% | $2,551+23.8% |
| Participant deferral / active EE | $7,873 | $6,519+20.8% | $7,897-0.3% | $4,139+90.2% |
| Admin fee / account holder | $3,763 | $8,390-55.1% | $13,129-71.3% | $7,234-48.0% |