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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 | $133,269 | $74,535+78.8% | $100,712+32.3% | $82,637+61.3% |
| Participation rate | 71.0% | 61.2%+9.8pp | 69.3%+1.7pp | 68.1%+2.9pp |
| Annual return | 14.75% | 18.92%-4.2pp | 33.27%-18.5pp | 53.51%-38.8pp |
| Employer contribution / active EE | $1,458 | $1,503-3.0% | $2,313-36.9% | $2,552-42.9% |
| Participant deferral / active EE | $2,306 | $3,074-25.0% | $4,085-43.5% | $4,126-44.1% |
| Admin fee / account holder | $2,913 | $6,576-55.7% | $9,256-68.5% | $7,339-60.3% |