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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 | $81,476+5.9% | $102,383-15.7% | $80,925+6.6% |
| Participation rate | 79.6% | 66.8%+12.7pp | 74.5%+5.1pp | 67.7%+11.9pp |
| Annual return | 14.81% | 25.59%-10.8pp | 24.94%-10.1pp | 35.65%-20.8pp |
| Employer contribution / active EE | $2,586 | $3,105-16.7% | $3,870-33.2% | $2,756-6.2% |
| Participant deferral / active EE | $3,726 | $3,871-3.7% | $5,060-26.4% | $4,299-13.3% |
| Admin fee / account holder | $738 | $6,717-89.0% | $8,391-91.2% | $6,940-89.4% |