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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 | $69,555 | $56,287+23.6% | $80,977-14.1% | $62,881+10.6% |
| Participation rate | 71.7% | 68.9%+2.8pp | 75.8%-4.1pp | 69.3%+2.4pp |
| Annual return | 8.91% | 22.13%-13.2pp | 17.11%-8.2pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,948 | $1,943+0.3% | $3,715-47.6% | $2,281-14.6% |
| Participant deferral / active EE | $4,337 | $4,196+3.4% | $5,696-23.9% | $3,203+35.4% |
| Admin fee / account holder | $954 | $3,742-74.5% | $5,517-82.7% | $4,296-77.8% |