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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 | $95,973 | $99,875-3.9% | $146,866-34.7% | $86,983+10.3% |
| Participation rate | 70.8% | 75.8%-5.0pp | 82.5%-11.7pp | 69.5%+1.3pp |
| Annual return | 17.82% | 28.10%-10.3pp | 102.85%-85.0pp | 25.83%-8.0pp |
| Employer contribution / active EE | $2,546 | $3,224-21.0% | $4,425-42.5% | $2,584-1.5% |
| Participant deferral / active EE | $4,362 | $6,322-31.0% | $7,759-43.8% | $4,194+4.0% |
| Admin fee / account holder | $2,476 | $7,838-68.4% | $13,620-81.8% | $7,856-68.5% |