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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 | $83,353 | $86,940-4.1% | $102,434-18.6% | $80,935+3.0% |
| Participation rate | 81.6% | 72.4%+9.2pp | 76.5%+5.1pp | 67.7%+13.9pp |
| Annual return | 12.69% | 18.89%-6.2pp | 29.46%-16.8pp | 35.66%-23.0pp |
| Employer contribution / active EE | $2,235 | $2,370-5.7% | $3,023-26.1% | $2,757-18.9% |
| Participant deferral / active EE | $9,410 | $4,121+128.3% | $5,055+86.2% | $4,299+118.9% |
| Admin fee / account holder | $13,464 | $8,047+67.3% | $9,462+42.3% | $6,924+94.4% |