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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 | $95,173 | $96,289-1.2% | $213,469-55.4% | $87,485+8.8% |
| Participation rate | 88.9% | 69.6%+19.3pp | 77.1%+11.8pp | 68.9%+20.0pp |
| Annual return | 13.45% | 17.78%-4.3pp | 20.58%-7.1pp | 26.06%-12.6pp |
| Employer contribution / active EE | $2,369 | $3,035-22.0% | $4,994-52.6% | $2,596-8.8% |
| Participant deferral / active EE | $7,549 | $4,750+58.9% | $6,841+10.4% | $4,274+76.6% |
| Admin fee / account holder | $4,393 | $9,670-54.6% | $27,141-83.8% | $7,775-43.5% |