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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 | $136,773 | $110,137+24.2% | $161,149-15.1% | $82,637+65.5% |
| Participation rate | 76.3% | 72.4%+4.0pp | 78.8%-2.5pp | 68.1%+8.3pp |
| Annual return | 13.72% | 20.69%-7.0pp | 21.16%-7.4pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,263 | $2,856-55.8% | $4,360-71.0% | $2,552-50.5% |
| Participant deferral / active EE | $6,891 | $4,575+50.6% | $6,153+12.0% | $4,126+67.0% |
| Admin fee / account holder | $2,333 | $9,467-75.4% | $15,194-84.6% | $7,339-68.2% |