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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 | $78,911 | $95,453-17.3% | $112,040-29.6% | $82,448-4.3% |
| Participation rate | 93.3% | 72.8%+20.6pp | 76.5%+16.8pp | 68.1%+25.3pp |
| Annual return | 17.84% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,241 | $2,318-46.5% | $2,954-58.0% | $2,551-51.4% |
| Participant deferral / active EE | $6,166 | $4,224+46.0% | $5,098+21.0% | $4,139+49.0% |
| Admin fee / account holder | $9,530 | $9,013+5.7% | $12,098-21.2% | $7,234+31.7% |