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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 | $83,716 | $81,504+2.7% | $102,437-18.3% | $80,959+3.4% |
| Participation rate | 73.6% | 66.9%+6.8pp | 74.5%-0.9pp | 67.7%+5.9pp |
| Annual return | 18.58% | 25.60%-7.0pp | 24.95%-6.4pp | 35.67%-17.1pp |
| Employer contribution / active EE | $3,170 | $3,104+2.1% | $3,871-18.1% | $2,757+15.0% |
| Participant deferral / active EE | $6,379 | $3,871+64.8% | $5,060+26.1% | $4,300+48.3% |
| Admin fee / account holder | $3,548 | $6,719-47.2% | $8,388-57.7% | $6,925-48.8% |