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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 | $71,089 | $67,606+5.2% | $82,313-13.6% | $70,124+1.4% |
| Participation rate | 75.4% | 72.8%+2.6pp | 76.9%-1.5pp | 69.5%+5.9pp |
| Annual return | 20.20% | 21.57%-1.4pp | 25.88%-5.7pp | 73.14%-52.9pp |
| Employer contribution / active EE | $1,026 | $1,755-41.5% | $2,428-57.7% | $2,342-56.2% |
| Participant deferral / active EE | $4,296 | $2,987+43.8% | $3,706+15.9% | $3,332+28.9% |
| Admin fee / account holder | $884 | $4,512-80.4% | $5,608-84.2% | $4,645-81.0% |