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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 | $81,218 | $86,919-6.6% | $102,457-20.7% | $80,911+0.4% |
| Participation rate | 73.7% | 72.4%+1.3pp | 76.5%-2.8pp | 67.6%+6.0pp |
| Annual return | 12.77% | 18.90%-6.1pp | 29.41%-16.6pp | 35.63%-22.9pp |
| Employer contribution / active EE | $818 | $2,368-65.5% | $3,022-72.9% | $2,756-70.3% |
| Participant deferral / active EE | $4,745 | $4,119+15.2% | $5,054-6.1% | $4,297+10.4% |
| Admin fee / account holder | $5,624 | $8,049-30.1% | $9,451-40.5% | $6,935-18.9% |