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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 | $93,570 | $106,749-12.3% | $145,433-35.7% | $82,448+13.5% |
| Participation rate | 89.7% | 75.6%+14.0pp | 82.1%+7.5pp | 68.1%+21.6pp |
| Annual return | 18.24% | 27.59%-9.3pp | 66.58%-48.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $3,497 | $3,444+1.5% | $4,554-23.2% | $2,551+37.1% |
| Participant deferral / active EE | $7,519 | $6,519+15.3% | $7,897-4.8% | $4,139+81.6% |
| Admin fee / account holder | $618 | $8,390-92.6% | $13,129-95.3% | $7,234-91.5% |