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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 | $102,633 | $77,472+32.5% | $100,415+2.2% | $80,959+26.8% |
| Participation rate | 74.3% | 76.9%-2.7pp | 81.5%-7.2pp | 67.7%+6.6pp |
| Annual return | 15.26% | 37.26%-22.0pp | 49.47%-34.2pp | 35.67%-20.4pp |
| Employer contribution / active EE | $2,673 | $2,800-4.5% | $3,943-32.2% | $2,757-3.0% |
| Participant deferral / active EE | $6,953 | $6,818+2.0% | $8,091-14.1% | $4,300+61.7% |
| Admin fee / account holder | $493 | $5,885-91.6% | $7,906-93.8% | $6,925-92.9% |