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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 | $81,921 | $80,992+1.1% | $96,534-15.1% | $75,173+9.0% |
| Participation rate | 71.7% | 71.8%0pp | 76.0%-4.2pp | 67.2%+4.5pp |
| Annual return | 16.18% | 27.05%-10.9pp | 25.88%-9.7pp | 160.72%-144.5pp |
| Employer contribution / active EE | $2,343 | $2,283+2.6% | $2,965-21.0% | $2,671-12.3% |
| Participant deferral / active EE | $4,292 | $3,929+9.2% | $4,851-11.5% | $4,126+4.0% |
| Admin fee / account holder | $4,244 | $6,717-36.8% | $8,253-48.6% | $5,651-24.9% |