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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 | $93,347 | $72,492+28.8% | $87,104+7.2% | $72,975+27.9% |
| Participation rate | 84.4% | 72.8%+11.6pp | 76.9%+7.5pp | 69.5%+14.9pp |
| Annual return | 22.76% | 24.46%-1.7pp | 28.19%-5.4pp | 81.01%-58.2pp |
| Employer contribution / active EE | $627 | $1,894-66.9% | $2,521-75.1% | $2,440-74.3% |
| Participant deferral / active EE | $6,730 | $3,270+105.8% | $4,048+66.2% | $3,608+86.5% |
| Admin fee / account holder | $2,194 | $5,055-56.6% | $7,491-70.7% | $5,124-57.2% |