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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 | $83,698 | $93,598-10.6% | $135,974-38.4% | $75,173+11.3% |
| Participation rate | 84.0% | 75.2%+8.8pp | 81.9%+2.1pp | 67.2%+16.8pp |
| Annual return | 25.02% | 30.89%-5.9pp | 68.30%-43.3pp | 160.72%-135.7pp |
| Employer contribution / active EE | $4,101 | $3,538+15.9% | $4,859-15.6% | $2,671+53.5% |
| Participant deferral / active EE | $5,225 | $6,405-18.4% | $7,760-32.7% | $4,126+26.6% |
| Admin fee / account holder | $1,225 | $6,978-82.4% | $10,767-88.6% | $5,651-78.3% |