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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 | $74,888 | $106,864-29.9% | $147,318-49.2% | $82,637-9.4% |
| Participation rate | 76.1% | 75.5%+0.6pp | 82.1%-6.0pp | 68.1%+8.0pp |
| Annual return | 16.92% | 27.49%-10.6pp | 70.43%-53.5pp | 53.51%-36.6pp |
| Employer contribution / active EE | $1,979 | $3,417-42.1% | $4,593-56.9% | $2,552-22.5% |
| Participant deferral / active EE | $4,799 | $6,496-26.1% | $7,906-39.3% | $4,126+16.3% |
| Admin fee / account holder | $13,668 | $8,415+62.4% | $13,708-0.3% | $7,339+86.2% |