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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 | $86,938+61.5% | $102,423+37.1% | $80,925+73.5% |
| Participation rate | 75.0% | 72.4%+2.6pp | 76.5%-1.5pp | 67.7%+7.3pp |
| Annual return | 17.63% | 18.89%-1.3pp | 29.42%-11.8pp | 35.65%-18.0pp |
| Employer contribution / active EE | $1,214 | $2,369-48.8% | $3,023-59.8% | $2,756-56.0% |
| Participant deferral / active EE | $3,711 | $4,120-9.9% | $5,054-26.6% | $4,299-13.7% |
| Admin fee / account holder | $4,228 | $8,053-47.5% | $9,455-55.3% | $6,940-39.1% |