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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 | $99,633-4.5% | $183,328-48.1% | $82,448+15.4% |
| Participation rate | 88.9% | 70.8%+18.1pp | 77.3%+11.6pp | 68.1%+20.8pp |
| Annual return | 13.45% | 17.84%-4.4pp | 29.67%-16.2pp | 41.64%-28.2pp |
| Employer contribution / active EE | $2,369 | $3,256-27.3% | $5,055-53.1% | $2,551-7.1% |
| Participant deferral / active EE | $7,549 | $4,938+52.9% | $6,795+11.1% | $4,139+82.4% |
| Admin fee / account holder | $4,393 | $9,934-55.8% | $21,427-79.5% | $7,234-39.3% |