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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 | $93,782 | $106,524-12.0% | $152,301-38.4% | $87,485+7.2% |
| Participation rate | 90.2% | 75.8%+14.5pp | 82.4%+7.8pp | 68.9%+21.3pp |
| Annual return | 17.19% | 26.89%-9.7pp | 80.50%-63.3pp | 26.06%-8.9pp |
| Employer contribution / active EE | $908 | $3,371-73.1% | $4,624-80.4% | $2,596-65.0% |
| Participant deferral / active EE | $7,162 | $6,525+9.8% | $8,004-10.5% | $4,274+67.6% |
| Admin fee / account holder | $1,262 | $8,287-84.8% | $14,398-91.2% | $7,775-83.8% |