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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 | $126,516 | $92,219+37.2% | $76,767+64.8% | $135,380-6.5% |
| Participation rate | 75.0% | 79.8%-4.8pp | 77.0%-2.0pp | 82.6%-7.6pp |
| Annual return | 4.56% | 5.46%-0.9pp | 2.43%+2.1pp | 519.81%-515.2pp |
| Employer contribution / active EE | $1,621 | $3,216-49.6% | $2,485-34.8% | $4,779-66.1% |
| Participant deferral / active EE | $3,908 | $4,508-13.3% | $3,852+1.5% | $5,609-30.3% |
| Admin fee / account holder | $801 | $10,749-92.6% | $6,675-88.0% | $10,828-92.6% |