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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 | $90,032 | $81,504+10.5% | $102,437-12.1% | $80,959+11.2% |
| Participation rate | 91.7% | 66.9%+24.8pp | 74.5%+17.2pp | 67.7%+24.0pp |
| Annual return | 12.80% | 25.60%-12.8pp | 24.95%-12.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $2,668 | $3,104-14.0% | $3,871-31.1% | $2,757-3.2% |
| Participant deferral / active EE | $5,597 | $3,871+44.6% | $5,060+10.6% | $4,300+30.2% |
| Admin fee / account holder | $3,474 | $6,719-48.3% | $8,388-58.6% | $6,925-49.8% |