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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 | $102,034 | $97,550+4.6% | $120,344-15.2% | $87,485+16.6% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.7%+15.9pp | 68.9%+23.7pp |
| Annual return | 14.26% | 18.41%-4.1pp | 20.30%-6.0pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,460 | $2,291-36.3% | $3,020-51.7% | $2,596-43.8% |
| Participant deferral / active EE | $4,289 | $4,230+1.4% | $5,135-16.5% | $4,274+0.4% |
| Admin fee / account holder | $2,220 | $9,543-76.7% | $12,742-82.6% | $7,775-71.4% |