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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 | $89,651 | $81,487+10.0% | $102,412-12.5% | $80,935+10.8% |
| Participation rate | 89.7% | 66.8%+22.8pp | 74.5%+15.2pp | 67.7%+22.0pp |
| Annual return | 17.45% | 25.60%-8.1pp | 24.94%-7.5pp | 35.66%-18.2pp |
| Employer contribution / active EE | $1,938 | $3,103-37.5% | $3,870-49.9% | $2,757-29.7% |
| Participant deferral / active EE | $4,366 | $3,871+12.8% | $5,060-13.7% | $4,299+1.5% |
| Admin fee / account holder | $420 | $6,717-93.7% | $8,388-95.0% | $6,924-93.9% |