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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 | $126,340 | $99,343+27.2% | $84,751+49.1% | $273,968-53.9% |
| Participation rate | 95.8% | 80.7%+15.1pp | 76.6%+19.2pp | 83.0%+12.8pp |
| Annual return | 5.42% | 22.93%-17.5pp | 22.78%-17.4pp | 41.45%-36.0pp |
| Employer contribution / active EE | $2,083 | $4,214-50.6% | $3,574-41.7% | $4,869-57.2% |
| Participant deferral / active EE | $3,766 | $4,269-11.8% | $3,712+1.5% | $5,287-28.8% |
| Admin fee / account holder | $1,034 | $6,645-84.4% | $5,333-80.6% | $10,132-89.8% |