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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 | $121,585 | $95,453+27.4% | $112,040+8.5% | $82,448+47.5% |
| Participation rate | 71.4% | 72.8%-1.3pp | 76.5%-5.1pp | 68.1%+3.4pp |
| Annual return | 12.77% | 23.92%-11.1pp | 24.52%-11.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $2,138 | $2,318-7.8% | $2,954-27.6% | $2,551-16.2% |
| Participant deferral / active EE | $7,414 | $4,224+75.5% | $5,098+45.4% | $4,139+79.1% |
| Admin fee / account holder | $686 | $9,013-92.4% | $12,098-94.3% | $7,234-90.5% |