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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 | $88,638 | $76,371+16.1% | $93,621-5.3% | $72,976+21.5% |
| Participation rate | 82.9% | 71.8%+11.1pp | 75.8%+7.0pp | 69.5%+13.4pp |
| Annual return | 18.35% | 25.82%-7.5pp | 32.76%-14.4pp | 81.02%-62.7pp |
| Employer contribution / active EE | $561 | $2,276-75.4% | $2,719-79.4% | $2,440-77.0% |
| Participant deferral / active EE | $3,434 | $3,538-2.9% | $4,070-15.6% | $3,608-4.8% |
| Admin fee / account holder | $3,974 | $6,839-41.9% | $7,890-49.6% | $5,124-22.4% |