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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 | $104,130 | $36,948+181.8% | $73,658+41.4% | $87,485+19.0% |
| Participation rate | 79.2% | 46.8%+32.3pp | 57.0%+22.1pp | 68.9%+10.2pp |
| Annual return | 14.27% | 28.64%-14.4pp | 29.72%-15.5pp | 26.06%-11.8pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,032-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,066 | $1,379+122.3% | $2,062+48.7% | $4,274-28.3% |
| Admin fee / account holder | $3,078 | $2,531+21.6% | $3,357-8.3% | $7,775-60.4% |