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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 | $96,088 | $92,219+4.2% | $76,767+25.2% | $135,380-29.0% |
| Participation rate | 70.8% | 79.8%-8.9pp | 77.0%-6.1pp | 82.6%-11.8pp |
| Annual return | 12.47% | 5.46%+7.0pp | 2.43%+10.0pp | 519.81%-507.3pp |
| Employer contribution / active EE | $2,503 | $3,216-22.2% | $2,485+0.7% | $4,779-47.6% |
| Participant deferral / active EE | $6,831 | $4,508+51.5% | $3,852+77.4% | $5,609+21.8% |
| Admin fee / account holder | $16,825 | $10,749+56.5% | $6,675+152.0% | $10,828+55.4% |