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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 | $96,005 | $81,504+17.8% | $102,437-6.3% | $80,959+18.6% |
| Participation rate | 71.8% | 66.9%+4.9pp | 74.5%-2.7pp | 67.7%+4.1pp |
| Annual return | 10.86% | 25.60%-14.7pp | 24.95%-14.1pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,807 | $3,104-41.8% | $3,871-53.3% | $2,757-34.5% |
| Participant deferral / active EE | $3,053 | $3,871-21.1% | $5,060-39.7% | $4,300-29.0% |
| Admin fee / account holder | $1,302 | $6,719-80.6% | $8,388-84.5% | $6,925-81.2% |