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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 | $79,025 | $89,515-11.7% | $103,065-23.3% | $80,959-2.4% |
| Participation rate | 74.3% | 76.0%-1.7pp | 80.6%-6.2pp | 67.7%+6.7pp |
| Annual return | 27.47% | 22.82%+4.7pp | 23.95%+3.5pp | 35.67%-8.2pp |
| Employer contribution / active EE | $3,500 | $4,015-12.8% | $4,675-25.1% | $2,757+27.0% |
| Participant deferral / active EE | $7,697 | $5,463+40.9% | $6,625+16.2% | $4,300+79.0% |
| Admin fee / account holder | $4,620 | $6,527-29.2% | $9,349-50.6% | $6,925-33.3% |