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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 | $80,452 | $88,996-9.6% | $78,004+3.1% | $138,895-42.1% |
| Participation rate | 75.0% | 74.4%+0.6pp | 69.4%+5.6pp | 79.9%-4.9pp |
| Annual return | 19.44% | 28.03%-8.6pp | 31.07%-11.6pp | 145.39%-126.0pp |
| Employer contribution / active EE | $3,135 | $2,917+7.5% | $2,469+27.0% | $4,194-25.3% |
| Participant deferral / active EE | $5,237 | $4,724+10.8% | $4,092+28.0% | $6,396-18.1% |
| Admin fee / account holder | $1,215 | $8,807-86.2% | $7,578-84.0% | $12,562-90.3% |