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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 | $82,520 | $106,749-22.7% | $145,433-43.3% | $82,448+0.1% |
| Participation rate | 85.7% | 75.6%+10.1pp | 82.1%+3.6pp | 68.1%+17.6pp |
| Annual return | 18.46% | 27.59%-9.1pp | 66.58%-48.1pp | 41.64%-23.2pp |
| Employer contribution / active EE | $3,152 | $3,444-8.5% | $4,554-30.8% | $2,551+23.6% |
| Participant deferral / active EE | $9,186 | $6,519+40.9% | $7,897+16.3% | $4,139+121.9% |
| Admin fee / account holder | $8,289 | $8,390-1.2% | $13,129-36.9% | $7,234+14.6% |