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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 | $69,168 | $99,875-30.7% | $146,866-52.9% | $86,983-20.5% |
| Participation rate | 80.8% | 75.8%+5.0pp | 82.5%-1.7pp | 69.5%+11.2pp |
| Annual return | 20.11% | 28.10%-8.0pp | 102.85%-82.7pp | 25.83%-5.7pp |
| Employer contribution / active EE | $2,886 | $3,224-10.5% | $4,425-34.8% | $2,584+11.7% |
| Participant deferral / active EE | $6,700 | $6,322+6.0% | $7,759-13.6% | $4,194+59.8% |
| Admin fee / account holder | $1,081 | $7,838-86.2% | $13,620-92.1% | $7,856-86.2% |