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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 | $77,977 | $185,141-57.9% | $153,416-49.2% | $155,188-49.8% |
| Participation rate | 80.0% | 79.9%+0.1pp | 74.3%+5.7pp | 80.8%-0.8pp |
| Annual return | 13.39% | 18.72%-5.3pp | 17.84%-4.5pp | 148.84%-135.5pp |
| Employer contribution / active EE | $3,864 | $4,489-13.9% | $3,764+2.7% | $4,248-9.0% |
| Participant deferral / active EE | $8,350 | $5,477+52.5% | $4,723+76.8% | $6,531+27.8% |
| Admin fee / account holder | $1,469 | $16,005-90.8% | $13,095-88.8% | $14,480-89.9% |