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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 | $73,622 | $99,345-25.9% | $84,753-13.1% | $273,972-73.1% |
| Participation rate | 90.9% | 80.7%+10.2pp | 76.6%+14.3pp | 83.0%+7.9pp |
| Annual return | 6.25% | 22.93%-16.7pp | 22.78%-16.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $3,121 | $4,214-25.9% | $3,574-12.7% | $4,869-35.9% |
| Participant deferral / active EE | $5,981 | $4,270+40.1% | $3,712+61.1% | $5,287+13.1% |
| Admin fee / account holder | $7,834 | $6,645+17.9% | $5,333+46.9% | $10,133-22.7% |