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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 | $129,382 | $86,949+48.8% | $102,460+26.3% | $80,959+59.8% |
| Participation rate | 77.8% | 72.4%+5.4pp | 76.5%+1.3pp | 67.7%+10.1pp |
| Annual return | 13.15% | 18.89%-5.7pp | 29.47%-16.3pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,813 | $2,370-23.5% | $3,025-40.1% | $2,757-34.2% |
| Participant deferral / active EE | $6,249 | $4,121+51.6% | $5,056+23.6% | $4,300+45.3% |
| Admin fee / account holder | $26,779 | $8,048+232.8% | $9,460+183.1% | $6,925+286.7% |