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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 | $93,126 | $97,550-4.5% | $120,344-22.6% | $87,485+6.4% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.7%-1.7pp | 68.9%+6.1pp |
| Annual return | 13.89% | 18.41%-4.5pp | 20.30%-6.4pp | 26.06%-12.2pp |
| Employer contribution / active EE | $4,196 | $2,291+83.2% | $3,020+38.9% | $2,596+61.6% |
| Participant deferral / active EE | $7,304 | $4,230+72.7% | $5,135+42.2% | $4,274+70.9% |
| Admin fee / account holder | $8,973 | $9,543-6.0% | $12,742-29.6% | $7,775+15.4% |