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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 | $96,766 | $86,940+11.3% | $102,434-5.5% | $80,935+19.6% |
| Participation rate | 85.0% | 72.4%+12.6pp | 76.5%+8.5pp | 67.7%+17.3pp |
| Annual return | 13.46% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,159 | $2,370-51.1% | $3,023-61.7% | $2,757-58.0% |
| Participant deferral / active EE | $4,771 | $4,121+15.8% | $5,055-5.6% | $4,299+11.0% |
| Admin fee / account holder | $2,784 | $8,047-65.4% | $9,462-70.6% | $6,924-59.8% |