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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 | $87,514 | $86,949+0.6% | $102,460-14.6% | $80,959+8.1% |
| Participation rate | 80.0% | 72.4%+7.6pp | 76.5%+3.5pp | 67.7%+12.3pp |
| Annual return | 11.15% | 18.89%-7.7pp | 29.47%-18.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $2,753 | $2,370+16.2% | $3,025-9.0% | $2,757-0.2% |
| Participant deferral / active EE | $4,846 | $4,121+17.6% | $5,056-4.2% | $4,300+12.7% |
| Admin fee / account holder | $4,516 | $8,048-43.9% | $9,460-52.3% | $6,925-34.8% |