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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 | $80,565 | $93,598-13.9% | $135,974-40.7% | $75,173+7.2% |
| Participation rate | 79.5% | 75.2%+4.4pp | 81.9%-2.4pp | 67.2%+12.3pp |
| Annual return | 17.91% | 30.89%-13.0pp | 68.30%-50.4pp | 160.72%-142.8pp |
| Employer contribution / active EE | $3,699 | $3,538+4.6% | $4,859-23.9% | $2,671+38.5% |
| Participant deferral / active EE | $8,009 | $6,405+25.0% | $7,760+3.2% | $4,126+94.1% |
| Admin fee / account holder | $10,726 | $6,978+53.7% | $10,767-0.4% | $5,651+89.8% |