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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 | $85,013 | $83,485+1.8% | $125,195-32.1% | $72,976+16.5% |
| Participation rate | 90.7% | 73.3%+17.4pp | 79.8%+10.9pp | 69.5%+21.2pp |
| Annual return | 20.20% | 25.77%-5.6pp | 43.79%-23.6pp | 81.02%-60.8pp |
| Employer contribution / active EE | $948 | $2,346-59.6% | $3,866-75.5% | $2,440-61.2% |
| Participant deferral / active EE | $4,938 | $3,586+37.7% | $4,9370% | $3,608+36.9% |
| Admin fee / account holder | $2,718 | $5,518-50.7% | $9,704-72.0% | $5,124-47.0% |