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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 | $80,901 | $74,535+8.5% | $100,712-19.7% | $82,637-2.1% |
| Participation rate | 88.5% | 61.2%+27.3pp | 69.3%+19.2pp | 68.1%+20.4pp |
| Annual return | 14.86% | 18.92%-4.1pp | 33.27%-18.4pp | 53.51%-38.6pp |
| Employer contribution / active EE | $626 | $1,503-58.4% | $2,313-73.0% | $2,552-75.5% |
| Participant deferral / active EE | $3,804 | $3,074+23.8% | $4,085-6.9% | $4,126-7.8% |
| Admin fee / account holder | $7,051 | $6,576+7.2% | $9,256-23.8% | $7,339-3.9% |