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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 | $84,698 | $106,749-20.7% | $145,433-41.8% | $82,448+2.7% |
| Participation rate | 83.3% | 75.6%+7.7pp | 82.1%+1.2pp | 68.1%+15.3pp |
| Annual return | 16.96% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $4,582 | $3,444+33.0% | $4,554+0.6% | $2,551+79.6% |
| Participant deferral / active EE | $8,062 | $6,519+23.7% | $7,897+2.1% | $4,139+94.8% |
| Admin fee / account holder | $1,907 | $8,390-77.3% | $13,129-85.5% | $7,234-73.6% |