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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 | $121,508 | $57,541+111.2% | $95,740+26.9% | $75,173+61.6% |
| Participation rate | 88.5% | 62.5%+25.9pp | 72.3%+16.2pp | 67.2%+21.3pp |
| Annual return | 14.99% | 34.93%-19.9pp | 28.41%-13.4pp | 160.72%-145.7pp |
| Employer contribution / active EE | $558 | $1,808-69.1% | $2,836-80.3% | $2,671-79.1% |
| Participant deferral / active EE | $3,318 | $3,074+8.0% | $4,244-21.8% | $4,126-19.6% |
| Admin fee / account holder | $3,745 | $4,099-8.6% | $5,676-34.0% | $5,651-33.7% |