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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 | $97,914 | $110,137-11.1% | $161,149-39.2% | $82,637+18.5% |
| Participation rate | 85.7% | 72.4%+13.4pp | 78.8%+6.9pp | 68.1%+17.7pp |
| Annual return | 17.57% | 20.69%-3.1pp | 21.16%-3.6pp | 53.51%-35.9pp |
| Employer contribution / active EE | $2,782 | $2,856-2.6% | $4,360-36.2% | $2,552+9.0% |
| Participant deferral / active EE | $5,796 | $4,575+26.7% | $6,153-5.8% | $4,126+40.5% |
| Admin fee / account holder | $1,724 | $9,467-81.8% | $15,194-88.7% | $7,339-76.5% |