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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 | $105,057 | $81,487+28.9% | $102,412+2.6% | $80,935+29.8% |
| Participation rate | 72.4% | 66.8%+5.6pp | 74.5%-2.1pp | 67.7%+4.8pp |
| Annual return | 11.89% | 25.60%-13.7pp | 24.94%-13.1pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,767 | $3,103-43.1% | $3,870-54.3% | $2,757-35.9% |
| Participant deferral / active EE | $4,478 | $3,871+15.7% | $5,060-11.5% | $4,299+4.1% |
| Admin fee / account holder | $4,122 | $6,717-38.6% | $8,388-50.9% | $6,924-40.5% |