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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 | $115,931-36.9% | $185,441-60.5% | $86,983-15.9% |
| Participation rate | 75.0% | 73.6%+1.4pp | 80.3%-5.3pp | 69.5%+5.5pp |
| Annual return | 18.40% | 21.47%-3.1pp | 20.16%-1.8pp | 25.83%-7.4pp |
| Employer contribution / active EE | $3,230 | $2,937+10.0% | $4,672-30.9% | $2,584+25.0% |
| Participant deferral / active EE | $6,426 | $4,551+41.2% | $6,152+4.5% | $4,194+53.2% |
| Admin fee / account holder | $8,862 | $10,687-17.1% | $17,890-50.5% | $7,856+12.8% |