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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 | $87,578 | $73,988+18.4% | $96,538-9.3% | $75,177+16.5% |
| Participation rate | 71.0% | 66.4%+4.5pp | 74.3%-3.4pp | 67.2%+3.8pp |
| Annual return | 17.55% | 26.73%-9.2pp | 35.74%-18.2pp | 160.75%-143.2pp |
| Employer contribution / active EE | $2,938 | $2,930+0.3% | $3,740-21.5% | $2,671+10.0% |
| Participant deferral / active EE | $6,526 | $3,660+78.3% | $4,880+33.7% | $4,126+58.1% |
| Admin fee / account holder | $4,598 | $5,220-11.9% | $6,737-31.8% | $5,651-18.6% |