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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 | $88,487 | $99,345-10.9% | $84,753+4.4% | $273,972-67.7% |
| Participation rate | 92.9% | 80.7%+12.2pp | 76.6%+16.3pp | 83.0%+9.8pp |
| Annual return | 10.54% | 22.93%-12.4pp | 22.78%-12.2pp | 41.46%-30.9pp |
| Employer contribution / active EE | $2,635 | $4,214-37.5% | $3,574-26.3% | $4,869-45.9% |
| Participant deferral / active EE | $9,381 | $4,270+119.7% | $3,712+152.7% | $5,287+77.4% |
| Admin fee / account holder | $977 | $6,645-85.3% | $5,333-81.7% | $10,133-90.4% |