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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 | $98,837 | $76,551+29.1% | $123,894-20.2% | $62,881+57.2% |
| Participation rate | 72.7% | 73.0%-0.3pp | 81.4%-8.7pp | 69.3%+3.4pp |
| Annual return | 11.89% | 18.68%-6.8pp | 47.52%-35.6pp | 20.14%-8.3pp |
| Employer contribution / active EE | $1,244 | $2,882-56.9% | $4,617-73.1% | $2,281-45.5% |
| Participant deferral / active EE | $7,253 | $4,840+49.9% | $5,984+21.2% | $3,203+126.4% |
| Admin fee / account holder | $1,016 | $4,826-78.9% | $8,357-87.8% | $4,296-76.4% |