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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 | $96,101 | $79,955+20.2% | $98,461-2.4% | $75,173+27.8% |
| Participation rate | 72.7% | 70.4%+2.4pp | 75.2%-2.4pp | 67.2%+5.5pp |
| Annual return | 19.18% | 19.75%-0.6pp | 21.17%-2.0pp | 160.72%-141.5pp |
| Employer contribution / active EE | $811 | $2,264-64.2% | $3,049-73.4% | $2,671-69.7% |
| Participant deferral / active EE | $3,761 | $3,752+0.2% | $4,738-20.6% | $4,126-8.8% |
| Admin fee / account holder | $10,956 | $6,841+60.1% | $8,961+22.3% | $5,651+93.9% |