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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 | $115,931+18.0% | $185,441-26.2% | $86,983+57.2% |
| Participation rate | 76.3% | 73.6%+2.7pp | 80.3%-3.9pp | 69.5%+6.8pp |
| Annual return | 13.72% | 21.47%-7.7pp | 20.16%-6.4pp | 25.83%-12.1pp |
| Employer contribution / active EE | $1,263 | $2,937-57.0% | $4,672-73.0% | $2,584-51.1% |
| Participant deferral / active EE | $6,891 | $4,551+51.4% | $6,152+12.0% | $4,194+64.3% |
| Admin fee / account holder | $2,333 | $10,687-78.2% | $17,890-87.0% | $7,856-70.3% |