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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 | $79,850 | $72,273+10.5% | $101,275-21.2% | $79,8560% |
| Participation rate | 87.9% | 68.5%+19.4pp | 75.8%+12.1pp | 69.6%+18.2pp |
| Annual return | 13.76% | 22.30%-8.5pp | 46.48%-32.7pp | 31.71%-18.0pp |
| Employer contribution / active EE | $2,150 | $2,691-20.1% | $3,660-41.3% | $2,471-13.0% |
| Participant deferral / active EE | $4,049 | $3,282+23.4% | $4,371-7.4% | $3,741+8.2% |
| Admin fee / account holder | $2,374 | $4,401-46.1% | $5,948-60.1% | $5,306-55.3% |