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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 | $85,850 | $86,938-1.3% | $102,423-16.2% | $80,925+6.1% |
| Participation rate | 92.6% | 72.4%+20.2pp | 76.5%+16.1pp | 67.7%+24.9pp |
| Annual return | 16.15% | 18.89%-2.7pp | 29.42%-13.3pp | 35.65%-19.5pp |
| Employer contribution / active EE | $2,444 | $2,369+3.2% | $3,023-19.2% | $2,756-11.3% |
| Participant deferral / active EE | $6,393 | $4,120+55.1% | $5,054+26.5% | $4,299+48.7% |
| Admin fee / account holder | $1,335 | $8,053-83.4% | $9,455-85.9% | $6,940-80.8% |