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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 | $97,530 | $86,949+12.2% | $102,460-4.8% | $80,959+20.5% |
| Participation rate | 83.0% | 72.4%+10.6pp | 76.5%+6.5pp | 67.7%+15.3pp |
| Annual return | 10.64% | 18.89%-8.3pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,495 | $2,370-36.9% | $3,025-50.6% | $2,757-45.8% |
| Participant deferral / active EE | $3,333 | $4,121-19.1% | $5,056-34.1% | $4,300-22.5% |
| Admin fee / account holder | $1,945 | $8,048-75.8% | $9,460-79.4% | $6,925-71.9% |