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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 | $77,414 | $83,485-7.3% | $125,192-38.2% | $72,975+6.1% |
| Participation rate | 88.5% | 73.3%+15.2pp | 79.8%+8.7pp | 69.5%+19.0pp |
| Annual return | 20.75% | 25.77%-5.0pp | 43.79%-23.0pp | 81.01%-60.3pp |
| Employer contribution / active EE | $2,088 | $2,346-11.0% | $3,866-46.0% | $2,440-14.4% |
| Participant deferral / active EE | $3,831 | $3,586+6.8% | $4,937-22.4% | $3,608+6.2% |
| Admin fee / account holder | $347 | $5,518-93.7% | $9,704-96.4% | $5,124-93.2% |