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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 | $93,350 | $95,404-2.2% | $113,397-17.7% | $82,637+13.0% |
| Participation rate | 93.8% | 72.8%+20.9pp | 76.5%+17.3pp | 68.1%+25.7pp |
| Annual return | 16.73% | 19.08%-2.3pp | 23.20%-6.5pp | 53.51%-36.8pp |
| Employer contribution / active EE | $2,528 | $2,307+9.6% | $2,977-15.1% | $2,552-1.0% |
| Participant deferral / active EE | $6,713 | $4,220+59.1% | $5,076+32.2% | $4,126+62.7% |
| Admin fee / account holder | $4,031 | $9,168-56.0% | $11,957-66.3% | $7,339-45.1% |