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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 | $100,662 | $93,589+7.6% | $135,942-26.0% | $75,181+33.9% |
| Participation rate | 73.1% | 75.2%-2.1pp | 81.9%-8.8pp | 67.2%+5.9pp |
| Annual return | 21.88% | 30.90%-9.0pp | 68.28%-46.4pp | 160.69%-138.8pp |
| Employer contribution / active EE | $3,154 | $3,537-10.8% | $4,858-35.1% | $2,671+18.1% |
| Participant deferral / active EE | $5,634 | $6,405-12.0% | $7,759-27.4% | $4,126+36.5% |
| Admin fee / account holder | $720 | $6,977-89.7% | $10,764-93.3% | $5,650-87.3% |