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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 | $86,271 | $81,504+5.8% | $102,437-15.8% | $80,959+6.6% |
| Participation rate | 79.6% | 66.9%+12.7pp | 74.5%+5.1pp | 67.7%+11.9pp |
| Annual return | 14.81% | 25.60%-10.8pp | 24.95%-10.1pp | 35.67%-20.9pp |
| Employer contribution / active EE | $2,586 | $3,104-16.7% | $3,871-33.2% | $2,757-6.2% |
| Participant deferral / active EE | $3,726 | $3,871-3.7% | $5,060-26.4% | $4,300-13.4% |
| Admin fee / account holder | $738 | $6,719-89.0% | $8,388-91.2% | $6,925-89.3% |