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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 | $113,694 | $106,749+6.5% | $145,433-21.8% | $82,448+37.9% |
| Participation rate | 72.1% | 75.6%-3.6pp | 82.1%-10.0pp | 68.1%+4.0pp |
| Annual return | 15.76% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $3,292 | $3,444-4.4% | $4,554-27.7% | $2,551+29.1% |
| Participant deferral / active EE | $6,866 | $6,519+5.3% | $7,897-13.1% | $4,139+65.9% |
| Admin fee / account holder | $15,034 | $8,390+79.2% | $13,129+14.5% | $7,234+107.8% |