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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 | $133,471 | $146,267-8.7% | $197,124-32.3% | $82,448+61.9% |
| Participation rate | 88.9% | 84.0%+4.9pp | 86.7%+2.2pp | 68.1%+20.8pp |
| Annual return | 22.88% | 29.61%-6.7pp | 44.34%-21.5pp | 41.64%-18.8pp |
| Employer contribution / active EE | $3,657 | $4,723-22.6% | $6,227-41.3% | $2,551+43.3% |
| Participant deferral / active EE | $6,748 | $7,035-4.1% | $9,135-26.1% | $4,139+63.0% |
| Admin fee / account holder | $2,571 | $14,422-82.2% | $16,298-84.2% | $7,234-64.5% |