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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 | $77,460+1.9% | $100,378-21.4% | $80,925-2.5% |
| Participation rate | 92.6% | 76.9%+15.6pp | 81.5%+11.1pp | 67.7%+24.9pp |
| Annual return | 17.66% | 37.24%-19.6pp | 49.41%-31.8pp | 35.65%-18.0pp |
| Employer contribution / active EE | $2,856 | $2,801+2.0% | $3,942-27.5% | $2,756+3.6% |
| Participant deferral / active EE | $7,803 | $6,818+14.4% | $8,087-3.5% | $4,299+81.5% |
| Admin fee / account holder | $2,298 | $5,887-61.0% | $7,899-70.9% | $6,940-66.9% |