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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 | $89,808 | $76,371+17.6% | $93,621-4.1% | $72,976+23.1% |
| Participation rate | 72.6% | 71.8%+0.8pp | 75.8%-3.3pp | 69.5%+3.1pp |
| Annual return | 20.28% | 25.82%-5.5pp | 32.76%-12.5pp | 81.02%-60.7pp |
| Employer contribution / active EE | $806 | $2,276-64.6% | $2,719-70.4% | $2,440-67.0% |
| Participant deferral / active EE | $3,002 | $3,538-15.2% | $4,070-26.2% | $3,608-16.8% |
| Admin fee / account holder | $9,018 | $6,839+31.9% | $7,890+14.3% | $5,124+76.0% |