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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 | $133,603 | $97,648+36.8% | $121,663+9.8% | $87,485+52.7% |
| Participation rate | 74.2% | 70.5%+3.7pp | 74.5%-0.3pp | 68.9%+5.3pp |
| Annual return | 12.35% | 18.03%-5.7pp | 147.54%-135.2pp | 26.06%-13.7pp |
| Employer contribution / active EE | $1,264 | $2,300-45.1% | $3,020-58.2% | $2,596-51.3% |
| Participant deferral / active EE | $3,437 | $3,923-12.4% | $4,887-29.7% | $4,274-19.6% |
| Admin fee / account holder | $4,361 | $11,100-60.7% | $14,289-69.5% | $7,775-43.9% |