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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 | $78,916 | $77,472+1.9% | $100,415-21.4% | $80,959-2.5% |
| Participation rate | 92.6% | 76.9%+15.6pp | 81.5%+11.1pp | 67.7%+24.9pp |
| Annual return | 17.66% | 37.26%-19.6pp | 49.47%-31.8pp | 35.67%-18.0pp |
| Employer contribution / active EE | $2,856 | $2,800+2.0% | $3,943-27.6% | $2,757+3.6% |
| Participant deferral / active EE | $7,803 | $6,818+14.4% | $8,091-3.6% | $4,300+81.4% |
| Admin fee / account holder | $2,298 | $5,885-61.0% | $7,906-70.9% | $6,925-66.8% |