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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 | $87,309 | $105,623-17.3% | $87,502-0.2% | $273,972-68.1% |
| Participation rate | 81.3% | 78.2%+3.1pp | 73.8%+7.4pp | 83.0%-1.8pp |
| Annual return | 11.38% | 12.26%-0.9pp | 12.21%-0.8pp | 41.46%-30.1pp |
| Employer contribution / active EE | $987 | $3,141-68.6% | $2,550-61.3% | $4,869-79.7% |
| Participant deferral / active EE | $4,563 | $3,601+26.7% | $3,149+44.9% | $5,287-13.7% |
| Admin fee / account holder | $7,448 | $4,781+55.8% | $4,221+76.5% | $10,133-26.5% |