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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 | $100,026 | $95,453+4.8% | $112,040-10.7% | $82,448+21.3% |
| Participation rate | 78.2% | 72.8%+5.4pp | 76.5%+1.7pp | 68.1%+10.1pp |
| Annual return | 14.59% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,357 | $2,318-41.4% | $2,954-54.0% | $2,551-46.8% |
| Participant deferral / active EE | $4,567 | $4,224+8.1% | $5,098-10.4% | $4,139+10.3% |
| Admin fee / account holder | $7,195 | $9,013-20.2% | $12,098-40.5% | $7,234-0.5% |