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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 | $81,476+2.7% | $102,383-18.2% | $80,925+3.4% |
| Participation rate | 73.6% | 66.8%+6.8pp | 74.5%-0.9pp | 67.7%+6.0pp |
| Annual return | 18.58% | 25.59%-7.0pp | 24.94%-6.4pp | 35.65%-17.1pp |
| Employer contribution / active EE | $3,170 | $3,105+2.1% | $3,870-18.1% | $2,756+15.0% |
| Participant deferral / active EE | $6,379 | $3,871+64.8% | $5,060+26.1% | $4,299+48.4% |
| Admin fee / account holder | $3,548 | $6,717-47.2% | $8,391-57.7% | $6,940-48.9% |