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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 | $96,011 | $78,520+22.3% | $96,576-0.6% | $82,448+16.5% |
| Participation rate | 75.6% | 77.7%-2.2pp | 81.4%-5.9pp | 68.1%+7.5pp |
| Annual return | 17.92% | 41.30%-23.4pp | 38.47%-20.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,595 | $2,630-1.3% | $3,553-27.0% | $2,551+1.7% |
| Participant deferral / active EE | $5,889 | $6,754-12.8% | $7,956-26.0% | $4,139+42.3% |
| Admin fee / account holder | $5,671 | $13,455-57.8% | $11,381-50.2% | $7,234-21.6% |