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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 | $87,261 | $96,562-9.6% | $80,976+7.8% | $273,965-68.1% |
| Participation rate | 87.5% | 79.1%+8.4pp | 75.8%+11.7pp | 83.0%+4.5pp |
| Annual return | 6.88% | 15.14%-8.3pp | 17.10%-10.2pp | 41.45%-34.6pp |
| Employer contribution / active EE | $2,269 | $4,868-53.4% | $3,714-38.9% | $4,869-53.4% |
| Participant deferral / active EE | $6,683 | $6,597+1.3% | $5,696+17.3% | $5,287+26.4% |
| Admin fee / account holder | $1,021 | $7,493-86.4% | $5,516-81.5% | $10,132-89.9% |