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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 | $88,229 | $95,453-7.6% | $112,040-21.3% | $82,448+7.0% |
| Participation rate | 87.2% | 72.8%+14.5pp | 76.5%+10.7pp | 68.1%+19.2pp |
| Annual return | 12.74% | 23.92%-11.2pp | 24.52%-11.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $842 | $2,318-63.7% | $2,954-71.5% | $2,551-67.0% |
| Participant deferral / active EE | $3,177 | $4,224-24.8% | $5,098-37.7% | $4,139-23.2% |
| Admin fee / account holder | $559 | $9,013-93.8% | $12,098-95.4% | $7,234-92.3% |