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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 | $125,077 | $88,707+41.0% | $74,184+68.6% | $273,972-54.3% |
| Participation rate | 89.5% | 79.4%+10.0pp | 76.6%+12.9pp | 83.0%+6.5pp |
| Annual return | 6.99% | 11.94%-5.0pp | 17.74%-10.7pp | 41.46%-34.5pp |
| Employer contribution / active EE | $2,278 | $3,159-27.9% | $2,370-3.9% | $4,869-53.2% |
| Participant deferral / active EE | $6,413 | $4,212+52.3% | $3,550+80.7% | $5,287+21.3% |
| Admin fee / account holder | $2,202 | $8,717-74.7% | $5,586-60.6% | $10,133-78.3% |