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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 | $93,525 | $54,541+71.5% | $78,778+18.7% | $70,124+33.4% |
| Participation rate | 72.7% | 60.8%+11.9pp | 69.2%+3.5pp | 69.5%+3.2pp |
| Annual return | 14.28% | 21.07%-6.8pp | 35.62%-21.3pp | 73.14%-58.9pp |
| Employer contribution / active EE | $2,326 | $1,089+113.6% | $1,986+17.1% | $2,342-0.7% |
| Participant deferral / active EE | $2,335 | $2,210+5.7% | $2,958-21.1% | $3,332-29.9% |
| Admin fee / account holder | $1,168 | $3,709-68.5% | $5,134-77.2% | $4,645-74.9% |