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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 | $86,938-4.1% | $102,423-18.6% | $80,925+3.1% |
| Participation rate | 74.5% | 72.4%+2.1pp | 76.5%-2.0pp | 67.7%+6.8pp |
| Annual return | 11.31% | 18.89%-7.6pp | 29.42%-18.1pp | 35.65%-24.3pp |
| Employer contribution / active EE | $2,299 | $2,369-3.0% | $3,023-24.0% | $2,756-16.6% |
| Participant deferral / active EE | $4,490 | $4,120+9.0% | $5,054-11.2% | $4,299+4.4% |
| Admin fee / account holder | $5,510 | $8,053-31.6% | $9,455-41.7% | $6,940-20.6% |