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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 | $83,404 | $86,949-4.1% | $102,460-18.6% | $80,959+3.0% |
| Participation rate | 74.5% | 72.4%+2.1pp | 76.5%-2.0pp | 67.7%+6.8pp |
| Annual return | 11.31% | 18.89%-7.6pp | 29.47%-18.2pp | 35.67%-24.4pp |
| Employer contribution / active EE | $2,299 | $2,370-3.0% | $3,025-24.0% | $2,757-16.6% |
| Participant deferral / active EE | $4,490 | $4,121+8.9% | $5,056-11.2% | $4,300+4.4% |
| Admin fee / account holder | $5,510 | $8,048-31.5% | $9,460-41.8% | $6,925-20.4% |