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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 | $97,014 | $106,524-8.9% | $152,301-36.3% | $87,485+10.9% |
| Participation rate | 89.2% | 75.8%+13.4pp | 82.4%+6.7pp | 68.9%+20.3pp |
| Annual return | 18.57% | 26.89%-8.3pp | 80.50%-61.9pp | 26.06%-7.5pp |
| Employer contribution / active EE | $3,166 | $3,371-6.1% | $4,624-31.5% | $2,596+22.0% |
| Participant deferral / active EE | $6,191 | $6,525-5.1% | $8,004-22.7% | $4,274+44.9% |
| Admin fee / account holder | $2,290 | $8,287-72.4% | $14,398-84.1% | $7,775-70.5% |