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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 | $96,315 | $106,749-9.8% | $145,433-33.8% | $82,448+16.8% |
| Participation rate | 86.8% | 75.6%+11.1pp | 82.1%+4.6pp | 68.1%+18.7pp |
| Annual return | 17.18% | 27.59%-10.4pp | 66.58%-49.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $2,567 | $3,444-25.5% | $4,554-43.6% | $2,551+0.6% |
| Participant deferral / active EE | $7,361 | $6,519+12.9% | $7,897-6.8% | $4,139+77.8% |
| Admin fee / account holder | $9,558 | $8,390+13.9% | $13,129-27.2% | $7,234+32.1% |