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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 | $122,044 | $67,606+80.5% | $82,313+48.3% | $70,124+74.0% |
| Participation rate | 93.8% | 72.8%+21.0pp | 76.9%+16.9pp | 69.5%+24.2pp |
| Annual return | 13.97% | 21.57%-7.6pp | 25.88%-11.9pp | 73.14%-59.2pp |
| Employer contribution / active EE | $632 | $1,755-64.0% | $2,428-74.0% | $2,342-73.0% |
| Participant deferral / active EE | $1,364 | $2,987-54.3% | $3,706-63.2% | $3,332-59.1% |
| Admin fee / account holder | $6,222 | $4,512+37.9% | $5,608+11.0% | $4,645+33.9% |