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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 | $105,539 | $73,988+42.6% | $96,538+9.3% | $75,177+40.4% |
| Participation rate | 73.0% | 66.4%+6.5pp | 74.3%-1.4pp | 67.2%+5.8pp |
| Annual return | 15.41% | 26.73%-11.3pp | 35.74%-20.3pp | 160.75%-145.3pp |
| Employer contribution / active EE | $1,704 | $2,930-41.8% | $3,740-54.4% | $2,671-36.2% |
| Participant deferral / active EE | $5,585 | $3,660+52.6% | $4,880+14.4% | $4,126+35.3% |
| Admin fee / account holder | $6,655 | $5,220+27.5% | $6,737-1.2% | $5,651+17.8% |