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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 | $92,180 | $106,749-13.6% | $145,433-36.6% | $82,448+11.8% |
| Participation rate | 90.6% | 75.6%+15.0pp | 82.1%+8.5pp | 68.1%+22.6pp |
| Annual return | 16.75% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.9pp |
| Employer contribution / active EE | $3,526 | $3,444+2.4% | $4,554-22.6% | $2,551+38.2% |
| Participant deferral / active EE | $7,857 | $6,519+20.5% | $7,897-0.5% | $4,139+89.8% |
| Admin fee / account holder | $1,430 | $8,390-83.0% | $13,129-89.1% | $7,234-80.2% |