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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 | $82,846 | $78,520+5.5% | $96,576-14.2% | $82,448+0.5% |
| Participation rate | 77.8% | 77.7%0pp | 81.4%-3.7pp | 68.1%+9.7pp |
| Annual return | 20.01% | 41.30%-21.3pp | 38.47%-18.5pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,912 | $2,630-27.3% | $3,553-46.2% | $2,551-25.1% |
| Participant deferral / active EE | $9,421 | $6,754+39.5% | $7,956+18.4% | $4,139+127.6% |
| Admin fee / account holder | $3,389 | $13,455-74.8% | $11,381-70.2% | $7,234-53.2% |