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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 | $72,949 | $78,197-6.7% | $98,090-25.6% | $82,637-11.7% |
| Participation rate | 83.3% | 77.5%+5.9pp | 81.5%+1.8pp | 68.1%+15.3pp |
| Annual return | 21.21% | 40.25%-19.0pp | 37.05%-15.8pp | 53.51%-32.3pp |
| Employer contribution / active EE | $3,035 | $2,605+16.5% | $3,606-15.9% | $2,552+18.9% |
| Participant deferral / active EE | $7,392 | $6,636+11.4% | $7,845-5.8% | $4,126+79.2% |
| Admin fee / account holder | $478 | $14,832-96.8% | $11,815-96.0% | $7,339-93.5% |