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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 | $105,046 | $88,707+18.4% | $74,184+41.6% | $273,972-61.7% |
| Participation rate | 81.0% | 79.4%+1.5pp | 76.6%+4.3pp | 83.0%-2.1pp |
| Annual return | 3.84% | 11.94%-8.1pp | 17.74%-13.9pp | 41.46%-37.6pp |
| Employer contribution / active EE | $2,053 | $3,159-35.0% | $2,370-13.4% | $4,869-57.8% |
| Participant deferral / active EE | $3,351 | $4,212-20.4% | $3,550-5.6% | $5,287-36.6% |
| Admin fee / account holder | $5,901 | $8,717-32.3% | $5,586+5.6% | $10,133-41.8% |