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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 | $18,182 | $99,345-81.7% | $84,753-78.5% | $273,972-93.4% |
| Participation rate | 90.5% | 80.7%+9.8pp | 76.6%+13.9pp | 83.0%+7.5pp |
| Annual return | 8.64% | 22.93%-14.3pp | 22.78%-14.1pp | 41.46%-32.8pp |
| Employer contribution / active EE | $2,100 | $4,214-50.2% | $3,574-41.2% | $4,869-56.9% |
| Participant deferral / active EE | $4,607 | $4,270+7.9% | $3,712+24.1% | $5,287-12.9% |
| Admin fee / account holder | $1,029 | $6,645-84.5% | $5,333-80.7% | $10,133-89.8% |