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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 | $74,227 | $67,602+9.8% | $82,312-9.8% | $70,126+5.8% |
| Participation rate | 70.8% | 72.8%-1.9pp | 76.9%-6.1pp | 69.5%+1.3pp |
| Annual return | 16.88% | 21.57%-4.7pp | 25.88%-9.0pp | 73.15%-56.3pp |
| Employer contribution / active EE | $617 | $1,755-64.8% | $2,428-74.6% | $2,343-73.6% |
| Participant deferral / active EE | $4,834 | $2,987+61.8% | $3,706+30.4% | $3,332+45.1% |
| Admin fee / account holder | $9,052 | $4,512+100.6% | $5,608+61.4% | $4,645+94.9% |