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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 | $81,316 | $86,940-6.5% | $102,434-20.6% | $80,935+0.5% |
| Participation rate | 86.2% | 72.4%+13.8pp | 76.5%+9.7pp | 67.7%+18.5pp |
| Annual return | 14.67% | 18.89%-4.2pp | 29.46%-14.8pp | 35.66%-21.0pp |
| Employer contribution / active EE | $2,396 | $2,370+1.1% | $3,023-20.8% | $2,757-13.1% |
| Participant deferral / active EE | $12,969 | $4,121+214.7% | $5,055+156.6% | $4,299+201.6% |
| Admin fee / account holder | $2,858 | $8,047-64.5% | $9,462-69.8% | $6,924-58.7% |