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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 | $111,760 | $123,793-9.7% | $177,840-37.2% | $79,852+40.0% |
| Participation rate | 82.8% | 84.7%-1.9pp | 87.7%-5.0pp | 69.6%+13.1pp |
| Annual return | 12.54% | 22.82%-10.3pp | 48.32%-35.8pp | 31.72%-19.2pp |
| Employer contribution / active EE | $1,581 | $4,095-61.4% | $5,919-73.3% | $2,471-36.0% |
| Participant deferral / active EE | $5,550 | $5,956-6.8% | $7,714-28.0% | $3,740+48.4% |
| Admin fee / account holder | $2,461 | $7,243-66.0% | $12,431-80.2% | $5,306-53.6% |