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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 | $81,278 | $106,749-23.9% | $145,433-44.1% | $82,448-1.4% |
| Participation rate | 83.9% | 75.6%+8.2pp | 82.1%+1.8pp | 68.1%+15.8pp |
| Annual return | 17.00% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.6pp |
| Employer contribution / active EE | $3,056 | $3,444-11.3% | $4,554-32.9% | $2,551+19.8% |
| Participant deferral / active EE | $7,544 | $6,519+15.7% | $7,897-4.5% | $4,139+82.3% |
| Admin fee / account holder | $982 | $8,390-88.3% | $13,129-92.5% | $7,234-86.4% |