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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 | $101,493 | $93,598+8.4% | $135,974-25.4% | $75,173+35.0% |
| Participation rate | 71.4% | 75.2%-3.8pp | 81.9%-10.5pp | 67.2%+4.2pp |
| Annual return | 22.87% | 30.89%-8.0pp | 68.30%-45.4pp | 160.72%-137.9pp |
| Employer contribution / active EE | $3,110 | $3,538-12.1% | $4,859-36.0% | $2,671+16.4% |
| Participant deferral / active EE | $7,022 | $6,405+9.6% | $7,760-9.5% | $4,126+70.2% |
| Admin fee / account holder | $1,323 | $6,978-81.0% | $10,767-87.7% | $5,651-76.6% |