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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 | $89,284 | $72,492+23.2% | $87,104+2.5% | $72,975+22.3% |
| Participation rate | 74.5% | 72.8%+1.7pp | 76.9%-2.4pp | 69.5%+5.0pp |
| Annual return | 26.78% | 24.46%+2.3pp | 28.19%-1.4pp | 81.01%-54.2pp |
| Employer contribution / active EE | $565 | $1,894-70.2% | $2,521-77.6% | $2,440-76.9% |
| Participant deferral / active EE | $4,231 | $3,270+29.4% | $4,048+4.5% | $3,608+17.3% |
| Admin fee / account holder | $1,897 | $5,055-62.5% | $7,491-74.7% | $5,124-63.0% |