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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 | $74,441 | $76,371-2.5% | $93,621-20.5% | $72,975+2.0% |
| Participation rate | 89.6% | 71.8%+17.8pp | 75.8%+13.7pp | 69.5%+20.1pp |
| Annual return | 19.83% | 25.82%-6.0pp | 32.76%-12.9pp | 81.01%-61.2pp |
| Employer contribution / active EE | $2,032 | $2,276-10.7% | $2,719-25.3% | $2,440-16.7% |
| Participant deferral / active EE | $4,122 | $3,538+16.5% | $4,070+1.3% | $3,608+14.2% |
| Admin fee / account holder | $2,303 | $6,839-66.3% | $7,890-70.8% | $5,124-55.0% |