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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 | $89,892 | $95,453-5.8% | $112,040-19.8% | $82,448+9.0% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.5%-6.5pp | 68.1%+1.9pp |
| Annual return | 17.49% | 23.92%-6.4pp | 24.52%-7.0pp | 41.64%-24.1pp |
| Employer contribution / active EE | $1,674 | $2,318-27.8% | $2,954-43.3% | $2,551-34.4% |
| Participant deferral / active EE | $4,072 | $4,224-3.6% | $5,098-20.1% | $4,139-1.6% |
| Admin fee / account holder | $1,267 | $9,013-85.9% | $12,098-89.5% | $7,234-82.5% |