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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 | $82,790 | $86,938-4.8% | $102,423-19.2% | $80,925+2.3% |
| Participation rate | 96.9% | 72.4%+24.5pp | 76.5%+20.4pp | 67.7%+29.2pp |
| Annual return | 11.83% | 18.89%-7.1pp | 29.42%-17.6pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,277 | $2,369-3.9% | $3,023-24.7% | $2,756-17.4% |
| Participant deferral / active EE | $3,032 | $4,120-26.4% | $5,054-40.0% | $4,299-29.5% |
| Admin fee / account holder | $6,744 | $8,053-16.2% | $9,455-28.7% | $6,940-2.8% |