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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 | $138,872 | $104,098+33.4% | $140,514-1.2% | $94,015+47.7% |
| Participation rate | 87.8% | 73.7%+14.1pp | 77.8%+10.0pp | 70.8%+17.0pp |
| Annual return | 13.95% | 15.14%-1.2pp | 14.36%-0.4pp | 17.84%-3.9pp |
| Employer contribution / active EE | $904 | $2,388-62.2% | $3,378-73.3% | $2,790-67.6% |
| Participant deferral / active EE | $2,568 | $4,033-36.3% | $4,919-47.8% | $4,249-39.6% |
| Admin fee / account holder | $1,558 | $10,439-85.1% | $13,697-88.6% | $8,951-82.6% |