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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 | $205,792 | $124,980+64.7% | $108,359+89.9% | $154,746+33.0% |
| Participation rate | 77.8% | 75.2%+2.6pp | 70.1%+7.7pp | 80.7%-2.9pp |
| Annual return | 15.02% | 45.00%-30.0pp | 36.89%-21.9pp | 172.34%-157.3pp |
| Employer contribution / active EE | $1,302 | $2,851-54.3% | $2,399-45.7% | $4,379-70.3% |
| Participant deferral / active EE | $3,939 | $4,743-16.9% | $4,137-4.8% | $6,730-41.5% |
| Admin fee / account holder | $2,308 | $11,502-79.9% | $9,741-76.3% | $14,365-83.9% |