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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 | $100,194-7.1% | $122,979-24.3% | $86,983+7.1% |
| Participation rate | 75.0% | 73.0%+2.0pp | 77.2%-2.2pp | 69.5%+5.5pp |
| Annual return | 13.89% | 16.47%-2.6pp | 20.12%-6.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $4,196 | $2,326+80.4% | $3,062+37.0% | $2,584+62.4% |
| Participant deferral / active EE | $7,304 | $4,133+76.7% | $5,003+46.0% | $4,194+74.2% |
| Admin fee / account holder | $8,973 | $10,148-11.6% | $12,864-30.3% | $7,856+14.2% |