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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 | $107,767 | $88,707+21.5% | $74,184+45.3% | $273,972-60.7% |
| Participation rate | 78.9% | 79.4%-0.5pp | 76.6%+2.3pp | 83.0%-4.1pp |
| Annual return | 8.10% | 11.94%-3.8pp | 17.74%-9.6pp | 41.46%-33.4pp |
| Employer contribution / active EE | $1,799 | $3,159-43.1% | $2,370-24.1% | $4,869-63.0% |
| Participant deferral / active EE | $6,528 | $4,212+55.0% | $3,550+83.9% | $5,287+23.5% |
| Admin fee / account holder | $5,481 | $8,717-37.1% | $5,586-1.9% | $10,133-45.9% |