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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 | $100,194-1.3% | $122,979-19.6% | $86,983+13.7% |
| Participation rate | 80.0% | 73.0%+7.0pp | 77.2%+2.8pp | 69.5%+10.5pp |
| Annual return | 15.22% | 16.47%-1.3pp | 20.12%-4.9pp | 25.83%-10.6pp |
| Employer contribution / active EE | $1,968 | $2,326-15.4% | $3,062-35.7% | $2,584-23.8% |
| Participant deferral / active EE | $4,174 | $4,133+1.0% | $5,003-16.6% | $4,194-0.5% |
| Admin fee / account holder | $8,020 | $10,148-21.0% | $12,864-37.7% | $7,856+2.1% |