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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 | $87,211 | $67,894+28.5% | $89,340-2.4% | $82,448+5.8% |
| Participation rate | 73.9% | 64.0%+9.9pp | 69.6%+4.3pp | 68.1%+5.8pp |
| Annual return | 19.10% | 19.21%-0.1pp | 20.57%-1.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $589 | $1,828-67.8% | $2,231-73.6% | $2,551-76.9% |
| Participant deferral / active EE | $3,737 | $3,072+21.6% | $3,823-2.3% | $4,139-9.7% |
| Admin fee / account holder | $2,077 | $5,723-63.7% | $6,704-69.0% | $7,234-71.3% |