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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 | $133,471 | $145,431-8.2% | $211,142-36.8% | $87,485+52.6% |
| Participation rate | 88.9% | 84.7%+4.1pp | 87.3%+1.6pp | 68.9%+20.0pp |
| Annual return | 22.88% | 27.21%-4.3pp | 46.84%-24.0pp | 26.06%-3.2pp |
| Employer contribution / active EE | $3,657 | $4,662-21.6% | $6,442-43.2% | $2,596+40.8% |
| Participant deferral / active EE | $6,748 | $6,859-1.6% | $9,284-27.3% | $4,274+57.9% |
| Admin fee / account holder | $2,571 | $17,052-84.9% | $19,076-86.5% | $7,775-66.9% |