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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 | $86,018 | $77,472+11.0% | $100,392-14.3% | $80,935+6.3% |
| Participation rate | 71.7% | 76.9%-5.3pp | 81.5%-9.8pp | 67.7%+4.0pp |
| Annual return | 16.53% | 37.26%-20.7pp | 49.45%-32.9pp | 35.66%-19.1pp |
| Employer contribution / active EE | $1,190 | $2,800-57.5% | $3,941-69.8% | $2,757-56.8% |
| Participant deferral / active EE | $5,077 | $6,818-25.5% | $8,090-37.2% | $4,299+18.1% |
| Admin fee / account holder | $6,319 | $5,885+7.4% | $7,904-20.1% | $6,924-8.7% |