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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 | $87,939 | $95,404-7.8% | $113,397-22.5% | $82,637+6.4% |
| Participation rate | 86.6% | 72.8%+13.7pp | 76.5%+10.1pp | 68.1%+18.5pp |
| Annual return | 16.37% | 19.08%-2.7pp | 23.20%-6.8pp | 53.51%-37.1pp |
| Employer contribution / active EE | $2,030 | $2,307-12.0% | $2,977-31.8% | $2,552-20.5% |
| Participant deferral / active EE | $4,322 | $4,220+2.4% | $5,076-14.9% | $4,126+4.7% |
| Admin fee / account holder | $8,754 | $9,168-4.5% | $11,957-26.8% | $7,339+19.3% |