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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 | $139,866 | $99,345+40.8% | $84,753+65.0% | $273,972-48.9% |
| Participation rate | 92.3% | 80.7%+11.6pp | 76.6%+15.7pp | 83.0%+9.3pp |
| Annual return | 14.25% | 22.93%-8.7pp | 22.78%-8.5pp | 41.46%-27.2pp |
| Employer contribution / active EE | $1,491 | $4,214-64.6% | $3,574-58.3% | $4,869-69.4% |
| Participant deferral / active EE | $3,123 | $4,270-26.9% | $3,712-15.9% | $5,287-40.9% |
| Admin fee / account holder | $3,325 | $6,645-50.0% | $5,333-37.7% | $10,133-67.2% |