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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 | $81,972 | $77,896+5.2% | $134,172-38.9% | $82,448-0.6% |
| Participation rate | 77.1% | 62.8%+14.3pp | 72.5%+4.6pp | 68.1%+9.0pp |
| Annual return | 13.48% | 18.21%-4.7pp | 25.30%-11.8pp | 41.64%-28.2pp |
| Employer contribution / active EE | $2,604 | $2,159+20.6% | $3,420-23.9% | $2,551+2.1% |
| Participant deferral / active EE | $2,068 | $3,162-34.6% | $4,690-55.9% | $4,139-50.0% |
| Admin fee / account holder | $14,425 | $6,336+127.7% | $12,016+20.0% | $7,234+99.4% |