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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 | $139,287 | $95,404+46.0% | $113,397+22.8% | $82,637+68.6% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.5%-1.5pp | 68.1%+6.9pp |
| Annual return | 17.88% | 19.08%-1.2pp | 23.20%-5.3pp | 53.51%-35.6pp |
| Employer contribution / active EE | $2,131 | $2,307-7.6% | $2,977-28.4% | $2,552-16.5% |
| Participant deferral / active EE | $5,026 | $4,220+19.1% | $5,076-1.0% | $4,126+21.8% |
| Admin fee / account holder | $6,365 | $9,168-30.6% | $11,957-46.8% | $7,339-13.3% |