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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 | $79,913 | $71,878+11.2% | $86,698-7.8% | $68,486+16.7% |
| Participation rate | 80.0% | 72.2%+7.8pp | 76.6%+3.4pp | 67.9%+12.1pp |
| Annual return | 8.31% | 3.53%+4.8pp | 35.95%-27.6pp | -7.85%+16.2pp |
| Employer contribution / active EE | $3,788 | $2,173+74.3% | $2,837+33.5% | $2,597+45.9% |
| Participant deferral / active EE | $7,123 | $3,779+88.5% | $4,656+53.0% | $4,028+76.8% |
| Admin fee / account holder | $4,118 | $6,113-32.6% | $7,493-45.0% | $5,404-23.8% |