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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 | $126,654 | $80,992+56.4% | $96,534+31.2% | $75,173+68.5% |
| Participation rate | 70.6% | 71.8%-1.2pp | 76.0%-5.4pp | 67.2%+3.4pp |
| Annual return | 21.92% | 27.05%-5.1pp | 25.88%-4.0pp | 160.72%-138.8pp |
| Employer contribution / active EE | $1,093 | $2,283-52.1% | $2,965-63.1% | $2,671-59.1% |
| Participant deferral / active EE | $5,651 | $3,929+43.8% | $4,851+16.5% | $4,126+37.0% |
| Admin fee / account holder | $4,332 | $6,717-35.5% | $8,253-47.5% | $5,651-23.3% |