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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 | $109,328 | $86,938+25.8% | $102,423+6.7% | $80,925+35.1% |
| Participation rate | 72.0% | 72.4%-0.4pp | 76.5%-4.5pp | 67.7%+4.3pp |
| Annual return | 21.16% | 18.89%+2.3pp | 29.42%-8.3pp | 35.65%-14.5pp |
| Employer contribution / active EE | $2,923 | $2,369+23.4% | $3,023-3.3% | $2,756+6.1% |
| Participant deferral / active EE | $5,305 | $4,120+28.8% | $5,054+5.0% | $4,299+23.4% |
| Admin fee / account holder | $3,902 | $8,053-51.5% | $9,455-58.7% | $6,940-43.8% |