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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 | $29,089 | $215,361-86.5% | $171,082-83.0% | $273,972-89.4% |
| Participation rate | 85.7% | 82.0%+3.7pp | 76.7%+9.0pp | 83.0%+2.7pp |
| Annual return | 7.22% | 25.14%-17.9pp | 32.56%-25.3pp | 41.46%-34.2pp |
| Employer contribution / active EE | $2,835 | $4,967-42.9% | $4,002-29.2% | $4,869-41.8% |
| Participant deferral / active EE | $6,256 | $5,543+12.9% | $4,797+30.4% | $5,287+18.3% |
| Admin fee / account holder | $922 | $10,846-91.5% | $8,520-89.2% | $10,133-90.9% |