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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 | $95,453+45.5% | $112,040+23.9% | $82,448+68.4% |
| Participation rate | 87.8% | 72.8%+15.0pp | 76.5%+11.3pp | 68.1%+19.7pp |
| Annual return | 13.95% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $904 | $2,318-61.0% | $2,954-69.4% | $2,551-64.6% |
| Participant deferral / active EE | $2,568 | $4,224-39.2% | $5,098-49.6% | $4,139-38.0% |
| Admin fee / account holder | $1,558 | $9,013-82.7% | $12,098-87.1% | $7,234-78.5% |