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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 | $98,743 | $106,749-7.5% | $145,433-32.1% | $82,448+19.8% |
| Participation rate | 79.3% | 75.6%+3.7pp | 82.1%-2.8pp | 68.1%+11.2pp |
| Annual return | 19.58% | 27.59%-8.0pp | 66.58%-47.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $834 | $3,444-75.8% | $4,554-81.7% | $2,551-67.3% |
| Participant deferral / active EE | $9,670 | $6,519+48.3% | $7,897+22.4% | $4,139+133.6% |
| Admin fee / account holder | $1,538 | $8,390-81.7% | $13,129-88.3% | $7,234-78.7% |