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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 | $93,332 | $88,707+5.2% | $74,184+25.8% | $273,972-65.9% |
| Participation rate | 77.3% | 79.4%-2.2pp | 76.6%+0.7pp | 83.0%-5.7pp |
| Annual return | 6.98% | 11.94%-5.0pp | 17.74%-10.8pp | 41.46%-34.5pp |
| Employer contribution / active EE | $2,798 | $3,159-11.5% | $2,370+18.0% | $4,869-42.5% |
| Participant deferral / active EE | $4,202 | $4,212-0.2% | $3,550+18.4% | $5,287-20.5% |
| Admin fee / account holder | $2,284 | $8,717-73.8% | $5,586-59.1% | $10,133-77.5% |