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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 | $69,986 | $93,617-25.2% | $135,982-48.5% | $75,177-6.9% |
| Participation rate | 76.6% | 75.2%+1.4pp | 81.9%-5.3pp | 67.2%+9.4pp |
| Annual return | 15.94% | 30.89%-14.9pp | 68.32%-52.4pp | 160.75%-144.8pp |
| Employer contribution / active EE | $2,544 | $3,538-28.1% | $4,859-47.7% | $2,671-4.8% |
| Participant deferral / active EE | $4,378 | $6,406-31.7% | $7,760-43.6% | $4,126+6.1% |
| Admin fee / account holder | $4,218 | $6,980-39.6% | $10,767-60.8% | $5,651-25.4% |