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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 | $106,524-11.2% | $152,301-37.9% | $87,485+8.2% |
| Participation rate | 94.6% | 75.8%+18.8pp | 82.4%+12.1pp | 68.9%+25.7pp |
| Annual return | 17.95% | 26.89%-8.9pp | 80.50%-62.6pp | 26.06%-8.1pp |
| Employer contribution / active EE | $2,392 | $3,371-29.1% | $4,624-48.3% | $2,596-7.9% |
| Participant deferral / active EE | $8,056 | $6,525+23.5% | $8,004+0.7% | $4,274+88.5% |
| Admin fee / account holder | $6,283 | $8,287-24.2% | $14,398-56.4% | $7,775-19.2% |