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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 | $135,942 | $88,707+53.2% | $74,184+83.3% | $273,972-50.4% |
| Participation rate | 77.3% | 79.4%-2.2pp | 76.6%+0.7pp | 83.0%-5.7pp |
| Annual return | 4.41% | 11.94%-7.5pp | 17.74%-13.3pp | 41.46%-37.0pp |
| Employer contribution / active EE | $1,957 | $3,159-38.1% | $2,370-17.4% | $4,869-59.8% |
| Participant deferral / active EE | $5,568 | $4,212+32.2% | $3,550+56.9% | $5,287+5.3% |
| Admin fee / account holder | $306 | $8,717-96.5% | $5,586-94.5% | $10,133-97.0% |