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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 | $80,467 | $79,955+0.6% | $98,461-18.3% | $75,173+7.0% |
| Participation rate | 71.0% | 70.4%+0.6pp | 75.2%-4.2pp | 67.2%+3.8pp |
| Annual return | 20.32% | 19.75%+0.6pp | 21.17%-0.9pp | 160.72%-140.4pp |
| Employer contribution / active EE | $2,856 | $2,264+26.2% | $3,049-6.3% | $2,671+6.9% |
| Participant deferral / active EE | $7,600 | $3,752+102.5% | $4,738+60.4% | $4,126+84.2% |
| Admin fee / account holder | $3,677 | $6,841-46.3% | $8,961-59.0% | $5,651-34.9% |