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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 | $136,335 | $86,940+56.8% | $102,434+33.1% | $80,935+68.4% |
| Participation rate | 72.2% | 72.4%-0.2pp | 76.5%-4.3pp | 67.7%+4.6pp |
| Annual return | 14.23% | 18.89%-4.7pp | 29.46%-15.2pp | 35.66%-21.4pp |
| Employer contribution / active EE | $2,099 | $2,370-11.4% | $3,023-30.6% | $2,757-23.9% |
| Participant deferral / active EE | $8,075 | $4,121+96.0% | $5,055+59.8% | $4,299+87.8% |
| Admin fee / account holder | $1,508 | $8,047-81.3% | $9,462-84.1% | $6,924-78.2% |