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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 | $71,045 | $60,349+17.7% | $74,184-4.2% | $62,881+13.0% |
| Participation rate | 80.0% | 72.7%+7.3pp | 76.6%+3.4pp | 69.3%+10.7pp |
| Annual return | 10.55% | 21.38%-10.8pp | 17.74%-7.2pp | 20.14%-9.6pp |
| Employer contribution / active EE | $785 | $1,680-53.3% | $2,370-66.9% | $2,281-65.6% |
| Participant deferral / active EE | $6,979 | $2,856+144.3% | $3,550+96.6% | $3,203+117.9% |
| Admin fee / account holder | $3,438 | $4,261-19.3% | $5,586-38.4% | $4,296-20.0% |