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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 | $129,077 | $101,795+26.8% | $165,100-21.8% | $80,959+59.4% |
| Participation rate | 71.4% | 71.8%-0.4pp | 78.6%-7.2pp | 67.7%+3.8pp |
| Annual return | 12.69% | 16.73%-4.0pp | 70.21%-57.5pp | 35.67%-23.0pp |
| Employer contribution / active EE | $1,494 | $2,954-49.4% | $4,348-65.6% | $2,757-45.8% |
| Participant deferral / active EE | $3,693 | $4,476-17.5% | $6,035-38.8% | $4,300-14.1% |
| Admin fee / account holder | $11,565 | $8,221+40.7% | $12,696-8.9% | $6,925+67.0% |