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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 | $102,688 | $67,602+51.9% | $82,312+24.8% | $70,126+46.4% |
| Participation rate | 81.6% | 72.8%+8.8pp | 76.9%+4.7pp | 69.5%+12.0pp |
| Annual return | 24.86% | 21.57%+3.3pp | 25.88%-1.0pp | 73.15%-48.3pp |
| Employer contribution / active EE | $565 | $1,755-67.8% | $2,428-76.7% | $2,343-75.9% |
| Participant deferral / active EE | $4,884 | $2,987+63.5% | $3,706+31.8% | $3,332+46.6% |
| Admin fee / account holder | $1,362 | $4,512-69.8% | $5,608-75.7% | $4,645-70.7% |