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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 | $85,123 | $95,453-10.8% | $112,040-24.0% | $82,448+3.2% |
| Participation rate | 94.7% | 72.8%+22.0pp | 76.5%+18.2pp | 68.1%+26.7pp |
| Annual return | 13.48% | 23.92%-10.4pp | 24.52%-11.0pp | 41.64%-28.2pp |
| Employer contribution / active EE | $1,648 | $2,318-28.9% | $2,954-44.2% | $2,551-35.4% |
| Participant deferral / active EE | $4,180 | $4,224-1.0% | $5,098-18.0% | $4,139+1.0% |
| Admin fee / account holder | $5,267 | $9,013-41.6% | $12,098-56.5% | $7,234-27.2% |