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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 | $100,075 | $106,749-6.3% | $145,433-31.2% | $82,448+21.4% |
| Participation rate | 76.0% | 75.6%+0.4pp | 82.1%-6.1pp | 68.1%+7.9pp |
| Annual return | 15.95% | 27.59%-11.6pp | 66.58%-50.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $4,280 | $3,444+24.3% | $4,554-6.0% | $2,551+67.8% |
| Participant deferral / active EE | $2,460 | $6,519-62.3% | $7,897-68.9% | $4,139-40.6% |
| Admin fee / account holder | $1,777 | $8,390-78.8% | $13,129-86.5% | $7,234-75.4% |