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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 | $101,708 | $67,602+50.5% | $82,312+23.6% | $70,126+45.0% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.9%-6.9pp | 69.5%+0.5pp |
| Annual return | 16.41% | 21.57%-5.2pp | 25.88%-9.5pp | 73.15%-56.7pp |
| Employer contribution / active EE | $1,522 | $1,755-13.3% | $2,428-37.3% | $2,343-35.0% |
| Participant deferral / active EE | $3,295 | $2,987+10.3% | $3,706-11.1% | $3,332-1.1% |
| Admin fee / account holder | $8,699 | $4,512+92.8% | $5,608+55.1% | $4,645+87.3% |