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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 | $92,640 | $56,894+62.8% | $84,753+9.3% | $62,881+47.3% |
| Participation rate | 83.3% | 68.5%+14.8pp | 76.6%+6.7pp | 69.3%+14.0pp |
| Annual return | 7.38% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,116 | $2,400-53.5% | $3,574-68.8% | $2,281-51.1% |
| Participant deferral / active EE | $1,797 | $2,709-33.7% | $3,712-51.6% | $3,203-43.9% |
| Admin fee / account holder | $401 | $3,581-88.8% | $5,333-92.5% | $4,296-90.7% |