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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 | $127,451 | $83,485+52.7% | $125,192+1.8% | $72,975+74.6% |
| Participation rate | 73.9% | 73.3%+0.6pp | 79.8%-5.9pp | 69.5%+4.4pp |
| Annual return | 18.99% | 25.77%-6.8pp | 43.79%-24.8pp | 81.01%-62.0pp |
| Employer contribution / active EE | $1,657 | $2,346-29.3% | $3,866-57.1% | $2,440-32.1% |
| Participant deferral / active EE | $5,473 | $3,586+52.6% | $4,937+10.9% | $3,608+51.7% |
| Admin fee / account holder | $6,401 | $5,518+16.0% | $9,704-34.0% | $5,124+24.9% |