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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 | $106,501 | $110,137-3.3% | $161,149-33.9% | $82,637+28.9% |
| Participation rate | 76.6% | 72.4%+4.2pp | 78.8%-2.2pp | 68.1%+8.5pp |
| Annual return | 17.50% | 20.69%-3.2pp | 21.16%-3.7pp | 53.51%-36.0pp |
| Employer contribution / active EE | $2,866 | $2,856+0.4% | $4,360-34.3% | $2,552+12.3% |
| Participant deferral / active EE | $6,059 | $4,575+32.4% | $6,153-1.5% | $4,126+46.8% |
| Admin fee / account holder | $2,789 | $9,467-70.5% | $15,194-81.6% | $7,339-62.0% |