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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 | $86,260 | $88,707-2.8% | $74,184+16.3% | $273,972-68.5% |
| Participation rate | 81.8% | 79.4%+2.4pp | 76.6%+5.2pp | 83.0%-1.2pp |
| Annual return | 6.24% | 11.94%-5.7pp | 17.74%-11.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,936 | $3,159-38.7% | $2,370-18.3% | $4,869-60.2% |
| Participant deferral / active EE | $8,269 | $4,212+96.3% | $3,550+132.9% | $5,287+56.4% |
| Admin fee / account holder | $2,890 | $8,717-66.8% | $5,586-48.3% | $10,133-71.5% |