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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 | $86,940-6.6% | $102,434-20.7% | $80,935+0.3% |
| Participation rate | 73.7% | 72.4%+1.3pp | 76.5%-2.8pp | 67.7%+6.0pp |
| Annual return | 12.77% | 18.89%-6.1pp | 29.46%-16.7pp | 35.66%-22.9pp |
| Employer contribution / active EE | $818 | $2,370-65.5% | $3,023-73.0% | $2,757-70.3% |
| Participant deferral / active EE | $4,745 | $4,121+15.1% | $5,055-6.1% | $4,299+10.4% |
| Admin fee / account holder | $5,624 | $8,047-30.1% | $9,462-40.6% | $6,924-18.8% |