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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 | $110,964 | $54,541+103.4% | $78,778+40.9% | $70,126+58.2% |
| Participation rate | 96.0% | 60.8%+35.2pp | 69.2%+26.8pp | 69.5%+26.5pp |
| Annual return | 15.87% | 21.07%-5.2pp | 35.62%-19.7pp | 73.15%-57.3pp |
| Employer contribution / active EE | $614 | $1,089-43.6% | $1,986-69.1% | $2,343-73.8% |
| Participant deferral / active EE | $3,429 | $2,210+55.2% | $2,958+15.9% | $3,332+2.9% |
| Admin fee / account holder | $1,744 | $3,709-53.0% | $5,134-66.0% | $4,645-62.5% |