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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 | $89,090 | $87,166+2.2% | $76,735+16.1% | $137,256-35.1% |
| Participation rate | 71.4% | 74.4%-2.9pp | 69.5%+1.9pp | 80.0%-8.5pp |
| Annual return | 14.98% | 26.50%-11.5pp | 29.77%-14.8pp | 220.34%-205.4pp |
| Employer contribution / active EE | $2,600 | $2,904-10.5% | $2,454+5.9% | $4,156-37.4% |
| Participant deferral / active EE | $6,412 | $4,726+35.7% | $4,088+56.8% | $6,407+0.1% |
| Admin fee / account holder | $872 | $8,403-89.6% | $7,189-87.9% | $12,270-92.9% |