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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 | $97,781 | $106,749-8.4% | $145,433-32.8% | $82,448+18.6% |
| Participation rate | 85.7% | 75.6%+10.1pp | 82.1%+3.6pp | 68.1%+17.6pp |
| Annual return | 15.65% | 27.59%-11.9pp | 66.58%-50.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,666 | $3,444-22.6% | $4,554-41.5% | $2,551+4.5% |
| Participant deferral / active EE | $4,463 | $6,519-31.5% | $7,897-43.5% | $4,139+7.8% |
| Admin fee / account holder | $2,377 | $8,390-71.7% | $13,129-81.9% | $7,234-67.1% |