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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 | $94,106 | $138,386-32.0% | $184,260-48.9% | $80,935+16.3% |
| Participation rate | 85.7% | 83.9%+1.8pp | 86.8%-1.1pp | 67.7%+18.1pp |
| Annual return | 13.39% | 20.02%-6.6pp | 28.84%-15.5pp | 35.66%-22.3pp |
| Employer contribution / active EE | $3,428 | $4,851-29.3% | $6,427-46.7% | $2,757+24.4% |
| Participant deferral / active EE | $7,171 | $7,076+1.3% | $9,133-21.5% | $4,299+66.8% |
| Admin fee / account holder | $3,750 | $10,489-64.2% | $13,898-73.0% | $6,924-45.8% |