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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 | $73,126 | $81,476-10.2% | $102,383-28.6% | $80,925-9.6% |
| Participation rate | 88.9% | 66.8%+22.0pp | 74.5%+14.4pp | 67.7%+21.2pp |
| Annual return | 13.01% | 25.59%-12.6pp | 24.94%-11.9pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,390 | $3,105-23.0% | $3,870-38.3% | $2,756-13.3% |
| Participant deferral / active EE | $4,699 | $3,871+21.4% | $5,060-7.1% | $4,299+9.3% |
| Admin fee / account holder | $989 | $6,717-85.3% | $8,391-88.2% | $6,940-85.7% |