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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 | $85,615 | $106,974-20.0% | $90,796-5.7% | $138,895-38.4% |
| Participation rate | 77.8% | 74.9%+2.9pp | 69.5%+8.3pp | 79.9%-2.1pp |
| Annual return | 15.20% | 20.10%-4.9pp | 19.29%-4.1pp | 145.39%-130.2pp |
| Employer contribution / active EE | $2,027 | $2,609-22.3% | $2,294-11.6% | $4,194-51.7% |
| Participant deferral / active EE | $4,645 | $4,455+4.3% | $3,822+21.5% | $6,396-27.4% |
| Admin fee / account holder | $776 | $8,626-91.0% | $7,024-88.9% | $12,562-93.8% |