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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 | $85,781 | $99,345-13.7% | $84,753+1.2% | $273,973-68.7% |
| Participation rate | 95.0% | 80.7%+14.3pp | 76.6%+18.4pp | 83.0%+12.0pp |
| Annual return | 8.83% | 22.93%-14.1pp | 22.78%-13.9pp | 41.46%-32.6pp |
| Employer contribution / active EE | $2,500 | $4,214-40.7% | $3,574-30.1% | $4,869-48.7% |
| Participant deferral / active EE | $1,651 | $4,270-61.3% | $3,712-55.5% | $5,287-68.8% |
| Admin fee / account holder | $1,238 | $6,645-81.4% | $5,333-76.8% | $10,133-87.8% |