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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 | $81,236 | $86,922-6.5% | $102,438-20.7% | $80,874+0.4% |
| Participation rate | 86.1% | 72.4%+13.7pp | 76.5%+9.6pp | 67.6%+18.5pp |
| Annual return | 15.04% | 18.90%-3.9pp | 29.37%-14.3pp | 35.62%-20.6pp |
| Employer contribution / active EE | $2,135 | $2,369-9.9% | $3,024-29.4% | $2,756-22.5% |
| Participant deferral / active EE | $5,379 | $4,119+30.6% | $5,054+6.4% | $4,297+25.2% |
| Admin fee / account holder | $3,762 | $8,050-53.3% | $9,448-60.2% | $6,935-45.7% |