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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 | $119,376 | $103,949+14.8% | $69,182+72.6% | $273,972-56.4% |
| Participation rate | 77.8% | 67.4%+10.4pp | 55.1%+22.7pp | 83.0%-5.2pp |
| Annual return | 6.97% | 35.28%-28.3pp | -21.93%+28.9pp | 41.46%-34.5pp |
| Employer contribution / active EE | $988 | $1,783-44.6% | $1,206-18.1% | $4,869-79.7% |
| Participant deferral / active EE | $2,862 | $2,716+5.4% | $1,897+50.9% | $5,287-45.9% |
| Admin fee / account holder | $1,989 | $3,671-45.8% | $2,697-26.3% | $10,133-80.4% |