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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 | $145,195 | $86,922+67.0% | $102,438+41.7% | $80,874+79.5% |
| Participation rate | 71.1% | 72.4%-1.3pp | 76.5%-5.4pp | 67.6%+3.4pp |
| Annual return | 14.80% | 18.90%-4.1pp | 29.37%-14.6pp | 35.62%-20.8pp |
| Employer contribution / active EE | $2,188 | $2,369-7.7% | $3,024-27.6% | $2,756-20.6% |
| Participant deferral / active EE | $4,767 | $4,119+15.7% | $5,054-5.7% | $4,297+11.0% |
| Admin fee / account holder | $4,301 | $8,050-46.6% | $9,448-54.5% | $6,935-38.0% |