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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 | $95,688 | $67,602+41.5% | $82,312+16.3% | $70,126+36.5% |
| Participation rate | 73.2% | 72.8%+0.4pp | 76.9%-3.7pp | 69.5%+3.6pp |
| Annual return | 15.32% | 21.57%-6.2pp | 25.88%-10.6pp | 73.15%-57.8pp |
| Employer contribution / active EE | $1,439 | $1,755-18.0% | $2,428-40.7% | $2,343-38.6% |
| Participant deferral / active EE | $2,138 | $2,987-28.4% | $3,706-42.3% | $3,332-35.8% |
| Admin fee / account holder | $2,948 | $4,512-34.7% | $5,608-47.4% | $4,645-36.5% |