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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 | $101,566 | $76,834+32.2% | $108,359-6.3% | $87,485+16.1% |
| Participation rate | 76.0% | 61.7%+14.3pp | 70.1%+5.9pp | 68.9%+7.1pp |
| Annual return | 16.61% | 19.09%-2.5pp | 36.89%-20.3pp | 26.06%-9.5pp |
| Employer contribution / active EE | $316 | $1,556-79.7% | $2,399-86.8% | $2,596-87.8% |
| Participant deferral / active EE | $3,715 | $3,100+19.8% | $4,137-10.2% | $4,274-13.1% |
| Admin fee / account holder | $2,848 | $6,537-56.4% | $9,741-70.8% | $7,775-63.4% |