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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 | $93,589-25.2% | $135,942-48.5% | $75,181-6.9% |
| Participation rate | 76.6% | 75.2%+1.4pp | 81.9%-5.3pp | 67.2%+9.4pp |
| Annual return | 15.94% | 30.90%-15.0pp | 68.28%-52.3pp | 160.69%-144.7pp |
| Employer contribution / active EE | $2,544 | $3,537-28.1% | $4,858-47.6% | $2,671-4.8% |
| Participant deferral / active EE | $4,378 | $6,405-31.6% | $7,759-43.6% | $4,126+6.1% |
| Admin fee / account holder | $4,218 | $6,977-39.5% | $10,764-60.8% | $5,650-25.3% |