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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 | $98,897 | $97,550+1.4% | $120,344-17.8% | $87,485+13.0% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.7%+3.3pp | 68.9%+11.1pp |
| Annual return | 15.22% | 18.41%-3.2pp | 20.30%-5.1pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,968 | $2,291-14.1% | $3,020-34.8% | $2,596-24.2% |
| Participant deferral / active EE | $4,174 | $4,230-1.3% | $5,135-18.7% | $4,274-2.3% |
| Admin fee / account holder | $8,020 | $9,543-16.0% | $12,742-37.1% | $7,775+3.1% |