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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 | $89,521 | $86,940+3.0% | $102,434-12.6% | $80,935+10.6% |
| Participation rate | 87.9% | 72.4%+15.5pp | 76.5%+11.4pp | 67.7%+20.2pp |
| Annual return | 11.39% | 18.89%-7.5pp | 29.46%-18.1pp | 35.66%-24.3pp |
| Employer contribution / active EE | $2,290 | $2,370-3.4% | $3,023-24.3% | $2,757-16.9% |
| Participant deferral / active EE | $3,080 | $4,121-25.3% | $5,055-39.1% | $4,299-28.4% |
| Admin fee / account holder | $1,229 | $8,047-84.7% | $9,462-87.0% | $6,924-82.3% |