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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 | $102,344 | $86,949+17.7% | $102,460-0.1% | $80,959+26.4% |
| Participation rate | 72.0% | 72.4%-0.4pp | 76.5%-4.5pp | 67.7%+4.3pp |
| Annual return | 13.29% | 18.89%-5.6pp | 29.47%-16.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,284 | $2,370-45.8% | $3,025-57.6% | $2,757-53.4% |
| Participant deferral / active EE | $6,444 | $4,121+56.4% | $5,056+27.4% | $4,300+49.8% |
| Admin fee / account holder | $8,552 | $8,048+6.3% | $9,460-9.6% | $6,925+23.5% |