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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 | $100,276 | $72,027+39.2% | $185,861-46.0% | $79,856+25.6% |
| Participation rate | 70.4% | 65.8%+4.6pp | 78.0%-7.7pp | 69.6%+0.7pp |
| Annual return | 18.23% | 23.13%-4.9pp | 35.96%-17.7pp | 31.71%-13.5pp |
| Employer contribution / active EE | $789 | $1,965-59.8% | $4,088-80.7% | $2,471-68.1% |
| Participant deferral / active EE | $6,294 | $3,780+66.5% | $5,634+11.7% | $3,741+68.3% |
| Admin fee / account holder | $869 | $4,513-80.7% | $9,503-90.9% | $5,306-83.6% |