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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 | $95,981 | $106,749-10.1% | $145,433-34.0% | $82,448+16.4% |
| Participation rate | 87.5% | 75.6%+11.9pp | 82.1%+5.4pp | 68.1%+19.4pp |
| Annual return | 15.45% | 27.59%-12.1pp | 66.58%-51.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $3,898 | $3,444+13.2% | $4,554-14.4% | $2,551+52.8% |
| Participant deferral / active EE | $7,239 | $6,519+11.0% | $7,897-8.3% | $4,139+74.9% |
| Admin fee / account holder | $5,777 | $8,390-31.1% | $13,129-56.0% | $7,234-20.1% |