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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 | $88,221 | $99,345-11.2% | $84,753+4.1% | $273,972-67.8% |
| Participation rate | 88.9% | 80.7%+8.2pp | 76.6%+12.3pp | 83.0%+5.9pp |
| Annual return | 5.82% | 22.93%-17.1pp | 22.78%-17.0pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,706 | $4,214-59.5% | $3,574-52.3% | $4,869-65.0% |
| Participant deferral / active EE | $4,317 | $4,270+1.1% | $3,712+16.3% | $5,287-18.3% |
| Admin fee / account holder | $11,030 | $6,645+66.0% | $5,333+106.8% | $10,133+8.9% |