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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 | $73,187 | $114,712-36.2% | $173,730-57.9% | $87,485-16.3% |
| Participation rate | 75.0% | 73.0%+2.0pp | 79.6%-4.6pp | 68.9%+6.1pp |
| Annual return | 18.40% | 20.18%-1.8pp | 19.96%-1.6pp | 26.06%-7.7pp |
| Employer contribution / active EE | $3,230 | $2,904+11.2% | $4,577-29.4% | $2,596+24.4% |
| Participant deferral / active EE | $6,426 | $4,642+38.5% | $6,326+1.6% | $4,274+50.4% |
| Admin fee / account holder | $8,862 | $10,210-13.2% | $17,523-49.4% | $7,775+14.0% |