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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 | $81,403+0.7% | $147,027-44.2% | $87,485-6.3% |
| Participation rate | 77.1% | 63.4%+13.6pp | 73.7%+3.3pp | 68.9%+8.2pp |
| Annual return | 13.48% | 16.51%-3.0pp | 20.23%-6.8pp | 26.06%-12.6pp |
| Employer contribution / active EE | $2,604 | $2,205+18.1% | $3,626-28.2% | $2,596+0.3% |
| Participant deferral / active EE | $2,068 | $3,315-37.6% | $4,933-58.1% | $4,274-51.6% |
| Admin fee / account holder | $14,425 | $6,755+113.5% | $12,223+18.0% | $7,775+85.5% |