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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 | $95,139 | $64,920+46.5% | $103,693-8.2% | $86,983+9.4% |
| Participation rate | 71.1% | 63.6%+7.5pp | 72.6%-1.6pp | 69.5%+1.5pp |
| Annual return | 13.48% | 30.29%-16.8pp | 47.61%-34.1pp | 25.83%-12.4pp |
| Employer contribution / active EE | $1,027 | $2,141-52.0% | $2,920-64.8% | $2,584-60.3% |
| Participant deferral / active EE | $4,393 | $3,241+35.5% | $4,579-4.1% | $4,194+4.7% |
| Admin fee / account holder | $6,309 | $6,191+1.9% | $7,858-19.7% | $7,856-19.7% |