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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 | $92,974 | $87,546+6.2% | $75,784+22.7% | $125,389-25.9% |
| Participation rate | 85.7% | 80.2%+5.5pp | 75.8%+9.9pp | 83.2%+2.5pp |
| Annual return | 0.70% | 13.49%-12.8pp | 9.68%-9.0pp | 282.24%-281.5pp |
| Employer contribution / active EE | $3,046 | $3,930-22.5% | $3,323-8.3% | $4,866-37.4% |
| Participant deferral / active EE | $9,035 | $4,230+113.6% | $3,652+147.4% | $5,352+68.8% |
| Admin fee / account holder | $1,083 | $6,503-83.3% | $5,300-79.6% | $9,541-88.7% |