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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 | $92,527 | $106,749-13.3% | $145,433-36.4% | $82,448+12.2% |
| Participation rate | 88.0% | 75.6%+12.4pp | 82.1%+5.9pp | 68.1%+19.9pp |
| Annual return | 19.81% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $2,247 | $3,444-34.8% | $4,554-50.7% | $2,551-11.9% |
| Participant deferral / active EE | $3,261 | $6,519-50.0% | $7,897-58.7% | $4,139-21.2% |
| Admin fee / account holder | $3,405 | $8,390-59.4% | $13,129-74.1% | $7,234-52.9% |