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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 | $88,112 | $99,875-11.8% | $146,866-40.0% | $86,983+1.3% |
| Participation rate | 76.9% | 75.8%+1.1pp | 82.5%-5.6pp | 69.5%+7.4pp |
| Annual return | 18.61% | 28.10%-9.5pp | 102.85%-84.2pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,945 | $3,224-39.7% | $4,425-56.0% | $2,584-24.7% |
| Participant deferral / active EE | $8,686 | $6,322+37.4% | $7,759+11.9% | $4,194+107.1% |
| Admin fee / account holder | $3,600 | $7,838-54.1% | $13,620-73.6% | $7,856-54.2% |