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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 | $91,718 | $99,345-7.7% | $84,753+8.2% | $273,972-66.5% |
| Participation rate | 86.7% | 80.7%+6.0pp | 76.6%+10.1pp | 83.0%+3.7pp |
| Annual return | 6.64% | 22.93%-16.3pp | 22.78%-16.1pp | 41.46%-34.8pp |
| Employer contribution / active EE | $2,116 | $4,214-49.8% | $3,574-40.8% | $4,869-56.5% |
| Participant deferral / active EE | $3,775 | $4,270-11.6% | $3,712+1.7% | $5,287-28.6% |
| Admin fee / account holder | $6,041 | $6,645-9.1% | $5,333+13.3% | $10,133-40.4% |