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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 | $70,018 | $95,453-26.6% | $112,040-37.5% | $82,448-15.1% |
| Participation rate | 74.5% | 72.8%+1.8pp | 76.5%-1.9pp | 68.1%+6.5pp |
| Annual return | 15.44% | 23.92%-8.5pp | 24.52%-9.1pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,816 | $2,318-21.7% | $2,954-38.5% | $2,551-28.8% |
| Participant deferral / active EE | $4,386 | $4,224+3.8% | $5,098-14.0% | $4,139+6.0% |
| Admin fee / account holder | $12,092 | $9,013+34.2% | $12,098-0.1% | $7,234+67.1% |