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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 | $104,098-5.0% | $140,514-29.6% | $94,015+5.2% |
| Participation rate | 80.0% | 73.7%+6.3pp | 77.8%+2.2pp | 70.8%+9.2pp |
| Annual return | 15.22% | 15.14%+0.1pp | 14.36%+0.9pp | 17.84%-2.6pp |
| Employer contribution / active EE | $1,968 | $2,388-17.6% | $3,378-41.7% | $2,790-29.5% |
| Participant deferral / active EE | $4,174 | $4,033+3.5% | $4,919-15.1% | $4,249-1.8% |
| Admin fee / account holder | $8,020 | $10,439-23.2% | $13,697-41.5% | $8,951-10.4% |