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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 | $91,177 | $114,712-20.5% | $173,730-47.5% | $87,485+4.2% |
| Participation rate | 75.0% | 73.0%+2.0pp | 79.6%-4.6pp | 68.9%+6.1pp |
| Annual return | 16.86% | 20.18%-3.3pp | 19.96%-3.1pp | 26.06%-9.2pp |
| Employer contribution / active EE | $3,316 | $2,904+14.2% | $4,577-27.6% | $2,596+27.7% |
| Participant deferral / active EE | $6,790 | $4,642+46.3% | $6,326+7.3% | $4,274+58.9% |
| Admin fee / account holder | $2,954 | $10,210-71.1% | $17,523-83.1% | $7,775-62.0% |