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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 | $89,530 | $110,248-18.8% | $95,728-6.5% | $139,456-35.8% |
| Participation rate | 79.2% | 75.7%+3.4pp | 72.3%+6.9pp | 80.3%-1.2pp |
| Annual return | 21.18% | 27.16%-6.0pp | 28.40%-7.2pp | 373.45%-352.3pp |
| Employer contribution / active EE | $1,385 | $3,258-57.5% | $2,835-51.1% | $4,753-70.9% |
| Participant deferral / active EE | $6,885 | $4,675+47.3% | $4,245+62.2% | $6,711+2.6% |
| Admin fee / account holder | $962 | $6,607-85.4% | $5,673-83.0% | $11,407-91.6% |