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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 | $88,203 | $145,431-39.4% | $211,142-58.2% | $87,485+0.8% |
| Participation rate | 81.5% | 84.7%-3.3pp | 87.3%-5.8pp | 68.9%+12.5pp |
| Annual return | 22.59% | 27.21%-4.6pp | 46.84%-24.3pp | 26.06%-3.5pp |
| Employer contribution / active EE | $8,608 | $4,662+84.7% | $6,442+33.6% | $2,596+231.6% |
| Participant deferral / active EE | $12,703 | $6,859+85.2% | $9,284+36.8% | $4,274+197.2% |
| Admin fee / account holder | $302 | $17,052-98.2% | $19,076-98.4% | $7,775-96.1% |