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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 | $85,638 | $67,411+27.0% | $91,004-5.9% | $70,126+22.1% |
| Participation rate | 88.1% | 71.4%+16.7pp | 75.6%+12.5pp | 69.5%+18.6pp |
| Annual return | 20.31% | -40.16%+60.5pp | 4.60%+15.7pp | 73.15%-52.8pp |
| Employer contribution / active EE | $401 | $1,786-77.5% | $2,456-83.7% | $2,343-82.9% |
| Participant deferral / active EE | $3,322 | $2,823+17.7% | $3,548-6.4% | $3,332-0.3% |
| Admin fee / account holder | $5,822 | $4,236+37.4% | $5,417+7.5% | $4,645+25.3% |