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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 | $101,234 | $106,749-5.2% | $145,433-30.4% | $82,448+22.8% |
| Participation rate | 80.8% | 75.6%+5.1pp | 82.1%-1.4pp | 68.1%+12.7pp |
| Annual return | 15.78% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $3,160 | $3,444-8.3% | $4,554-30.6% | $2,551+23.9% |
| Participant deferral / active EE | $5,636 | $6,519-13.5% | $7,897-28.6% | $4,139+36.2% |
| Admin fee / account holder | $4,565 | $8,390-45.6% | $13,129-65.2% | $7,234-36.9% |