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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 | $97,550-9.6% | $120,344-26.7% | $87,485+0.9% |
| Participation rate | 87.2% | 72.8%+14.4pp | 76.7%+10.5pp | 68.9%+18.3pp |
| Annual return | 12.74% | 18.41%-5.7pp | 20.30%-7.6pp | 26.06%-13.3pp |
| Employer contribution / active EE | $842 | $2,291-63.2% | $3,020-72.1% | $2,596-67.6% |
| Participant deferral / active EE | $3,177 | $4,230-24.9% | $5,135-38.1% | $4,274-25.7% |
| Admin fee / account holder | $559 | $9,543-94.1% | $12,742-95.6% | $7,775-92.8% |