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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 | $140,396 | $86,949+61.5% | $102,460+37.0% | $80,959+73.4% |
| Participation rate | 75.0% | 72.4%+2.6pp | 76.5%-1.5pp | 67.7%+7.3pp |
| Annual return | 17.63% | 18.89%-1.3pp | 29.47%-11.8pp | 35.67%-18.0pp |
| Employer contribution / active EE | $1,214 | $2,370-48.8% | $3,025-59.9% | $2,757-56.0% |
| Participant deferral / active EE | $3,711 | $4,121-9.9% | $5,056-26.6% | $4,300-13.7% |
| Admin fee / account holder | $4,228 | $8,048-47.5% | $9,460-55.3% | $6,925-39.0% |