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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 | $72,331 | $64,359+12.4% | $90,161-19.8% | $70,126+3.1% |
| Participation rate | 74.5% | 70.4%+4.1pp | 76.9%-2.3pp | 69.5%+5.0pp |
| Annual return | 19.35% | 28.13%-8.8pp | 34.89%-15.5pp | 73.15%-53.8pp |
| Employer contribution / active EE | $2,320 | $2,046+13.4% | $3,318-30.1% | $2,343-1.0% |
| Participant deferral / active EE | $5,281 | $4,389+20.3% | $5,287-0.1% | $3,332+58.5% |
| Admin fee / account holder | $6,372 | $3,945+61.5% | $5,943+7.2% | $4,645+37.2% |