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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 | $106,864-17.5% | $147,318-40.2% | $82,637+6.6% |
| Participation rate | 76.9% | 75.5%+1.4pp | 82.1%-5.1pp | 68.1%+8.9pp |
| Annual return | 18.61% | 27.49%-8.9pp | 70.43%-51.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,945 | $3,417-43.1% | $4,593-57.6% | $2,552-23.8% |
| Participant deferral / active EE | $8,686 | $6,496+33.7% | $7,906+9.9% | $4,126+110.5% |
| Admin fee / account holder | $3,600 | $8,415-57.2% | $13,708-73.7% | $7,339-50.9% |