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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 | $137,528 | $67,602+103.4% | $82,312+67.1% | $70,126+96.1% |
| Participation rate | 88.5% | 72.8%+15.7pp | 76.9%+11.6pp | 69.5%+18.9pp |
| Annual return | 17.81% | 21.57%-3.8pp | 25.88%-8.1pp | 73.15%-55.3pp |
| Employer contribution / active EE | $732 | $1,755-58.3% | $2,428-69.8% | $2,343-68.7% |
| Participant deferral / active EE | $3,762 | $2,987+25.9% | $3,706+1.5% | $3,332+12.9% |
| Admin fee / account holder | $445 | $4,512-90.1% | $5,608-92.1% | $4,645-90.4% |