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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 | $94,647 | $106,749-11.3% | $145,433-34.9% | $82,448+14.8% |
| Participation rate | 94.6% | 75.6%+18.9pp | 82.1%+12.5pp | 68.1%+26.5pp |
| Annual return | 17.95% | 27.59%-9.6pp | 66.58%-48.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,392 | $3,444-30.6% | $4,554-47.5% | $2,551-6.2% |
| Participant deferral / active EE | $8,056 | $6,519+23.6% | $7,897+2.0% | $4,139+94.6% |
| Admin fee / account holder | $6,283 | $8,390-25.1% | $13,129-52.1% | $7,234-13.2% |