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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 | $96,293 | $81,457+18.2% | $103,378-6.9% | $80,911+19.0% |
| Participation rate | 71.4% | 66.8%+4.6pp | 74.5%-3.1pp | 67.6%+3.8pp |
| Annual return | 13.90% | 25.58%-11.7pp | 24.91%-11.0pp | 35.63%-21.7pp |
| Employer contribution / active EE | $2,611 | $3,107-16.0% | $3,870-32.5% | $2,756-5.2% |
| Participant deferral / active EE | $6,343 | $3,871+63.9% | $5,058+25.4% | $4,297+47.6% |
| Admin fee / account holder | $17,978 | $6,717+167.7% | $8,401+114.0% | $6,935+159.2% |