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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 | $82,060 | $181,896-54.9% | $156,551-47.6% | $273,972-70.0% |
| Participation rate | 85.0% | 88.4%-3.4pp | 84.0%+1.0pp | 83.0%+2.0pp |
| Annual return | 7.89% | 30.74%-22.9pp | 32.23%-24.3pp | 41.46%-33.6pp |
| Employer contribution / active EE | $6,303 | $6,248+0.9% | $5,501+14.6% | $4,869+29.5% |
| Participant deferral / active EE | $2,934 | $5,550-47.1% | $4,871-39.8% | $5,287-44.5% |
| Admin fee / account holder | $354 | $15,560-97.7% | $13,028-97.3% | $10,133-96.5% |