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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 | $108,120 | $86,701+24.7% | $73,309+47.5% | $125,389-13.8% |
| Participation rate | 77.8% | 78.6%-0.8pp | 74.9%+2.9pp | 83.2%-5.4pp |
| Annual return | 2.42% | 2.78%-0.4pp | 5.67%-3.3pp | 282.24%-279.8pp |
| Employer contribution / active EE | $1,085 | $4,152-73.9% | $3,237-66.5% | $4,866-77.7% |
| Participant deferral / active EE | $3,694 | $5,549-33.4% | $4,991-26.0% | $5,352-31.0% |
| Admin fee / account holder | $2,860 | $7,768-63.2% | $5,635-49.2% | $9,541-70.0% |