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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 | $85,990 | $86,940-1.1% | $102,434-16.1% | $80,935+6.2% |
| Participation rate | 78.6% | 72.4%+6.2pp | 76.5%+2.1pp | 67.7%+10.9pp |
| Annual return | 14.17% | 18.89%-4.7pp | 29.46%-15.3pp | 35.66%-21.5pp |
| Employer contribution / active EE | $896 | $2,370-62.2% | $3,023-70.4% | $2,757-67.5% |
| Participant deferral / active EE | $4,440 | $4,121+7.7% | $5,055-12.2% | $4,299+3.3% |
| Admin fee / account holder | $6,795 | $8,047-15.6% | $9,462-28.2% | $6,924-1.9% |