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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 | $93,570 | $106,524-12.2% | $152,301-38.6% | $87,485+7.0% |
| Participation rate | 89.7% | 75.8%+13.9pp | 82.4%+7.2pp | 68.9%+20.7pp |
| Annual return | 18.24% | 26.89%-8.6pp | 80.50%-62.3pp | 26.06%-7.8pp |
| Employer contribution / active EE | $3,497 | $3,371+3.7% | $4,624-24.4% | $2,596+34.7% |
| Participant deferral / active EE | $7,519 | $6,525+15.2% | $8,004-6.1% | $4,274+75.9% |
| Admin fee / account holder | $618 | $8,287-92.5% | $14,398-95.7% | $7,775-92.1% |