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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 | $138,684 | $86,949+59.5% | $102,460+35.4% | $80,959+71.3% |
| Participation rate | 97.7% | 72.4%+25.3pp | 76.5%+21.2pp | 67.7%+30.0pp |
| Annual return | 11.89% | 18.89%-7.0pp | 29.47%-17.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $1,310 | $2,370-44.7% | $3,025-56.7% | $2,757-52.5% |
| Participant deferral / active EE | $8,473 | $4,121+105.6% | $5,056+67.6% | $4,300+97.0% |
| Admin fee / account holder | $2,029 | $8,048-74.8% | $9,460-78.6% | $6,925-70.7% |