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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 | $88,528 | $103,164-14.2% | $90,259-1.9% | $154,746-42.8% |
| Participation rate | 83.3% | 76.1%+7.2pp | 70.7%+12.6pp | 80.7%+2.6pp |
| Annual return | 17.87% | 19.25%-1.4pp | 18.88%-1.0pp | 172.34%-154.5pp |
| Employer contribution / active EE | $2,919 | $2,532+15.3% | $2,291+27.4% | $4,379-33.3% |
| Participant deferral / active EE | $5,287 | $4,422+19.6% | $3,827+38.2% | $6,730-21.4% |
| Admin fee / account holder | $389 | $8,593-95.5% | $7,267-94.7% | $14,365-97.3% |