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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 | $109,292 | $87,059+25.5% | $105,608+3.5% | $80,925+35.1% |
| Participation rate | 72.1% | 70.4%+1.6pp | 75.3%-3.2pp | 67.7%+4.4pp |
| Annual return | 12.44% | 17.05%-4.6pp | 116.50%-104.1pp | 35.65%-23.2pp |
| Employer contribution / active EE | $1,782 | $2,396-25.6% | $3,167-43.7% | $2,756-35.3% |
| Participant deferral / active EE | $6,255 | $3,986+56.9% | $5,010+24.9% | $4,299+45.5% |
| Admin fee / account holder | $1,724 | $8,443-79.6% | $11,028-84.4% | $6,940-75.2% |