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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 | $86,919 | $95,453-8.9% | $112,040-22.4% | $82,448+5.4% |
| Participation rate | 70.0% | 72.8%-2.8pp | 76.5%-6.5pp | 68.1%+1.9pp |
| Annual return | 17.46% | 23.92%-6.5pp | 24.52%-7.1pp | 41.64%-24.2pp |
| Employer contribution / active EE | $4,617 | $2,318+99.2% | $2,954+56.3% | $2,551+81.0% |
| Participant deferral / active EE | $11,422 | $4,224+170.4% | $5,098+124.1% | $4,139+175.9% |
| Admin fee / account holder | $3,938 | $9,013-56.3% | $12,098-67.4% | $7,234-45.6% |