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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 | $69,776 | $99,345-29.8% | $84,753-17.7% | $273,972-74.5% |
| Participation rate | 89.5% | 80.7%+8.8pp | 76.6%+12.9pp | 83.0%+6.5pp |
| Annual return | 10.55% | 22.93%-12.4pp | 22.78%-12.2pp | 41.46%-30.9pp |
| Employer contribution / active EE | $2,775 | $4,214-34.2% | $3,574-22.4% | $4,869-43.0% |
| Participant deferral / active EE | $6,130 | $4,270+43.6% | $3,712+65.1% | $5,287+15.9% |
| Admin fee / account holder | $6,811 | $6,645+2.5% | $5,333+27.7% | $10,133-32.8% |