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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 | $89,617 | $106,749-16.0% | $145,433-38.4% | $82,448+8.7% |
| Participation rate | 71.9% | 75.6%-3.8pp | 82.1%-10.2pp | 68.1%+3.8pp |
| Annual return | 18.98% | 27.59%-8.6pp | 66.58%-47.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $4,028 | $3,444+16.9% | $4,554-11.6% | $2,551+57.9% |
| Participant deferral / active EE | $7,625 | $6,519+17.0% | $7,897-3.5% | $4,139+84.2% |
| Admin fee / account holder | $11,374 | $8,390+35.6% | $13,129-13.4% | $7,234+57.2% |