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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 | $101,230 | $110,240-8.2% | $96,544+4.9% | $139,487-27.4% |
| Participation rate | 80.0% | 78.1%+1.9pp | 76.0%+4.0pp | 80.3%-0.3pp |
| Annual return | 28.13% | 26.41%+1.7pp | 25.88%+2.3pp | 373.84%-345.7pp |
| Employer contribution / active EE | $2,319 | $3,622-36.0% | $2,966-21.8% | $4,755-51.2% |
| Participant deferral / active EE | $3,382 | $5,549-39.0% | $4,851-30.3% | $6,713-49.6% |
| Admin fee / account holder | $2,635 | $11,602-77.3% | $8,254-68.1% | $11,407-76.9% |