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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 | $89,205 | $86,949+2.6% | $102,460-12.9% | $80,959+10.2% |
| Participation rate | 82.9% | 72.4%+10.5pp | 76.5%+6.4pp | 67.7%+15.3pp |
| Annual return | 13.74% | 18.89%-5.2pp | 29.47%-15.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,912 | $2,370-19.3% | $3,025-36.8% | $2,757-30.7% |
| Participant deferral / active EE | $6,162 | $4,121+49.5% | $5,056+21.9% | $4,300+43.3% |
| Admin fee / account holder | $3,857 | $8,048-52.1% | $9,460-59.2% | $6,925-44.3% |