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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 | $83,002 | $99,345-16.5% | $84,753-2.1% | $273,972-69.7% |
| Participation rate | 80.0% | 80.7%-0.7pp | 76.6%+3.4pp | 83.0%-3.0pp |
| Annual return | 3.86% | 22.93%-19.1pp | 22.78%-18.9pp | 41.46%-37.6pp |
| Employer contribution / active EE | $3,266 | $4,214-22.5% | $3,574-8.6% | $4,869-32.9% |
| Participant deferral / active EE | $8,058 | $4,270+88.7% | $3,712+117.1% | $5,287+52.4% |
| Admin fee / account holder | $542 | $6,645-91.8% | $5,333-89.8% | $10,133-94.7% |