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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 | $106,524-7.3% | $152,301-35.2% | $87,485+12.9% |
| Participation rate | 79.3% | 75.8%+3.6pp | 82.4%-3.1pp | 68.9%+10.4pp |
| Annual return | 19.58% | 26.89%-7.3pp | 80.50%-60.9pp | 26.06%-6.5pp |
| Employer contribution / active EE | $834 | $3,371-75.3% | $4,624-82.0% | $2,596-67.9% |
| Participant deferral / active EE | $9,670 | $6,525+48.2% | $8,004+20.8% | $4,274+126.3% |
| Admin fee / account holder | $1,538 | $8,287-81.4% | $14,398-89.3% | $7,775-80.2% |