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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 | $89,519 | $110,137-18.7% | $161,149-44.4% | $82,637+8.3% |
| Participation rate | 97.1% | 72.4%+24.8pp | 78.8%+18.3pp | 68.1%+29.1pp |
| Annual return | 12.37% | 20.69%-8.3pp | 21.16%-8.8pp | 53.51%-41.1pp |
| Employer contribution / active EE | $2,076 | $2,856-27.3% | $4,360-52.4% | $2,552-18.6% |
| Participant deferral / active EE | $4,463 | $4,575-2.4% | $6,153-27.5% | $4,126+8.2% |
| Admin fee / account holder | $2,587 | $9,467-72.7% | $15,194-83.0% | $7,339-64.7% |