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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 | $72,313 | $78,520-7.9% | $96,576-25.1% | $82,448-12.3% |
| Participation rate | 74.1% | 77.7%-3.7pp | 81.4%-7.4pp | 68.1%+6.0pp |
| Annual return | 16.54% | 41.30%-24.8pp | 38.47%-21.9pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,810 | $2,630+6.9% | $3,553-20.9% | $2,551+10.1% |
| Participant deferral / active EE | $5,313 | $6,754-21.3% | $7,956-33.2% | $4,139+28.4% |
| Admin fee / account holder | $430 | $13,455-96.8% | $11,381-96.2% | $7,234-94.1% |