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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 | $138,080 | $88,707+55.7% | $74,184+86.1% | $273,972-49.6% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.6%-1.6pp | 83.0%-8.0pp |
| Annual return | 7.44% | 11.94%-4.5pp | 17.74%-10.3pp | 41.46%-34.0pp |
| Employer contribution / active EE | $2,897 | $3,159-8.3% | $2,370+22.2% | $4,869-40.5% |
| Participant deferral / active EE | $6,430 | $4,212+52.7% | $3,550+81.1% | $5,287+21.6% |
| Admin fee / account holder | $2,208 | $8,717-74.7% | $5,586-60.5% | $10,133-78.2% |