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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 | $114,051 | $88,707+28.6% | $74,184+53.7% | $273,972-58.4% |
| Participation rate | 70.8% | 79.4%-8.6pp | 76.6%-5.8pp | 83.0%-12.2pp |
| Annual return | 7.80% | 11.94%-4.1pp | 17.74%-9.9pp | 41.46%-33.7pp |
| Employer contribution / active EE | $1,060 | $3,159-66.4% | $2,370-55.3% | $4,869-78.2% |
| Participant deferral / active EE | $4,933 | $4,212+17.1% | $3,550+39.0% | $5,287-6.7% |
| Admin fee / account holder | $19,650 | $8,717+125.4% | $5,586+251.8% | $10,133+93.9% |