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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 | $81,446+2.8% | $103,374-19.0% | $80,874+3.5% |
| Participation rate | 73.6% | 66.9%+6.8pp | 74.5%-0.9pp | 67.6%+6.0pp |
| Annual return | 18.58% | 25.57%-7.0pp | 24.89%-6.3pp | 35.62%-17.0pp |
| Employer contribution / active EE | $3,170 | $3,107+2.0% | $3,869-18.1% | $2,756+15.0% |
| Participant deferral / active EE | $6,379 | $3,870+64.8% | $5,058+26.1% | $4,297+48.5% |
| Admin fee / account holder | $3,548 | $6,715-47.2% | $8,394-57.7% | $6,935-48.8% |