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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 | $97,505 | $145,431-33.0% | $211,142-53.8% | $87,485+11.5% |
| Participation rate | 89.7% | 84.7%+4.9pp | 87.3%+2.4pp | 68.9%+20.7pp |
| Annual return | 21.17% | 27.21%-6.0pp | 46.84%-25.7pp | 26.06%-4.9pp |
| Employer contribution / active EE | $3,220 | $4,662-30.9% | $6,442-50.0% | $2,596+24.0% |
| Participant deferral / active EE | $5,439 | $6,859-20.7% | $9,284-41.4% | $4,274+27.3% |
| Admin fee / account holder | $1,191 | $17,052-93.0% | $19,076-93.8% | $7,775-84.7% |