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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 | $106,524-15.9% | $152,301-41.2% | $87,485+2.4% |
| Participation rate | 71.9% | 75.8%-3.9pp | 82.4%-10.6pp | 68.9%+2.9pp |
| Annual return | 18.98% | 26.89%-7.9pp | 80.50%-61.5pp | 26.06%-7.1pp |
| Employer contribution / active EE | $4,028 | $3,371+19.5% | $4,624-12.9% | $2,596+55.2% |
| Participant deferral / active EE | $7,625 | $6,525+16.9% | $8,004-4.7% | $4,274+78.4% |
| Admin fee / account holder | $11,374 | $8,287+37.3% | $14,398-21.0% | $7,775+46.3% |