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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 | $83,415 | $70,475+18.4% | $100,530-17.0% | $79,858+4.5% |
| Participation rate | 73.5% | 73.7%-0.1pp | 79.4%-5.9pp | 69.6%+3.9pp |
| Annual return | 21.07% | 21.90%-0.8pp | 30.89%-9.8pp | 31.72%-10.6pp |
| Employer contribution / active EE | $2,777 | $2,165+28.3% | $3,418-18.7% | $2,471+12.4% |
| Participant deferral / active EE | $4,815 | $5,181-7.1% | $6,271-23.2% | $3,740+28.7% |
| Admin fee / account holder | $2,238 | $4,478-50.0% | $8,083-72.3% | $5,306-57.8% |