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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 | $74,300 | $77,472-4.1% | $100,415-26.0% | $80,959-8.2% |
| Participation rate | 73.5% | 76.9%-3.4pp | 81.5%-8.0pp | 67.7%+5.9pp |
| Annual return | 13.78% | 37.26%-23.5pp | 49.47%-35.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $3,964 | $2,800+41.6% | $3,943+0.5% | $2,757+43.8% |
| Participant deferral / active EE | $8,049 | $6,818+18.1% | $8,091-0.5% | $4,300+87.2% |
| Admin fee / account holder | $11,664 | $5,885+98.2% | $7,906+47.5% | $6,925+68.4% |