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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 | $86,847 | $106,749-18.6% | $145,433-40.3% | $82,448+5.3% |
| Participation rate | 89.5% | 75.6%+13.8pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 15.99% | 27.59%-11.6pp | 66.58%-50.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,781 | $3,444-19.2% | $4,554-38.9% | $2,551+9.0% |
| Participant deferral / active EE | $7,033 | $6,519+7.9% | $7,897-10.9% | $4,139+69.9% |
| Admin fee / account holder | $4,856 | $8,390-42.1% | $13,129-63.0% | $7,234-32.9% |