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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 | $82,419 | $86,949-5.2% | $102,460-19.6% | $80,959+1.8% |
| Participation rate | 87.2% | 72.4%+14.8pp | 76.5%+10.7pp | 67.7%+19.6pp |
| Annual return | 12.49% | 18.89%-6.4pp | 29.47%-17.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,682 | $2,370-29.0% | $3,025-44.4% | $2,757-39.0% |
| Participant deferral / active EE | $4,543 | $4,121+10.2% | $5,056-10.1% | $4,300+5.6% |
| Admin fee / account holder | $2,843 | $8,048-64.7% | $9,460-69.9% | $6,925-59.0% |