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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 | $98,291 | $136,860-28.2% | $120,344-18.3% | $154,746-36.5% |
| Participation rate | 82.6% | 79.9%+2.7pp | 76.7%+5.9pp | 80.7%+1.9pp |
| Annual return | 13.74% | 21.38%-7.6pp | 20.30%-6.6pp | 172.34%-158.6pp |
| Employer contribution / active EE | $2,261 | $3,533-36.0% | $3,020-25.1% | $4,379-48.4% |
| Participant deferral / active EE | $7,908 | $5,793+36.5% | $5,135+54.0% | $6,730+17.5% |
| Admin fee / account holder | $1,183 | $15,393-92.3% | $12,742-90.7% | $14,365-91.8% |