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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 | $81,862 | $86,938-5.8% | $102,423-20.1% | $80,925+1.2% |
| Participation rate | 88.2% | 72.4%+15.9pp | 76.5%+11.7pp | 67.7%+20.6pp |
| Annual return | 12.21% | 18.89%-6.7pp | 29.42%-17.2pp | 35.65%-23.4pp |
| Employer contribution / active EE | $3,391 | $2,369+43.1% | $3,023+12.2% | $2,756+23.0% |
| Participant deferral / active EE | $3,984 | $4,120-3.3% | $5,054-21.2% | $4,299-7.3% |
| Admin fee / account holder | $3,339 | $8,053-58.5% | $9,455-64.7% | $6,940-51.9% |