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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 | $86,919+56.9% | $102,457+33.1% | $80,911+68.5% |
| Participation rate | 72.2% | 72.4%-0.2pp | 76.5%-4.3pp | 67.6%+4.6pp |
| Annual return | 14.23% | 18.90%-4.7pp | 29.41%-15.2pp | 35.63%-21.4pp |
| Employer contribution / active EE | $2,099 | $2,368-11.4% | $3,022-30.5% | $2,756-23.8% |
| Participant deferral / active EE | $8,075 | $4,119+96.0% | $5,054+59.8% | $4,297+87.9% |
| Admin fee / account holder | $1,508 | $8,049-81.3% | $9,451-84.0% | $6,935-78.3% |