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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 | $84,865 | $69,273+22.5% | $90,796-6.5% | $82,637+2.7% |
| Participation rate | 74.3% | 64.0%+10.3pp | 69.5%+4.8pp | 68.1%+6.2pp |
| Annual return | 17.33% | 18.37%-1.0pp | 19.29%-2.0pp | 53.51%-36.2pp |
| Employer contribution / active EE | $1,857 | $1,865-0.4% | $2,294-19.0% | $2,552-27.2% |
| Participant deferral / active EE | $6,193 | $3,047+103.2% | $3,822+62.0% | $4,126+50.1% |
| Admin fee / account holder | $756 | $5,511-86.3% | $7,024-89.2% | $7,339-89.7% |