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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 | $102,969 | $99,345+3.6% | $84,753+21.5% | $273,972-62.4% |
| Participation rate | 80.0% | 80.7%-0.7pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 3.98% | 22.93%-19.0pp | 22.78%-18.8pp | 41.46%-37.5pp |
| Employer contribution / active EE | $12,264 | $4,214+191.0% | $3,574+243.1% | $4,869+151.9% |
| Participant deferral / active EE | $3,112 | $4,270-27.1% | $3,712-16.2% | $5,287-41.1% |
| Admin fee / account holder | $4,165 | $6,645-37.3% | $5,333-21.9% | $10,133-58.9% |