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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 | $105,867 | $62,672+68.9% | $185,117-42.8% | $70,126+51.0% |
| Participation rate | 81.8% | 63.8%+18.0pp | 77.3%+4.6pp | 69.5%+12.3pp |
| Annual return | 17.34% | 40.79%-23.5pp | 40.50%-23.2pp | 73.15%-55.8pp |
| Employer contribution / active EE | $1,398 | $1,753-20.2% | $4,182-66.6% | $2,343-40.3% |
| Participant deferral / active EE | $5,241 | $3,272+60.2% | $5,045+3.9% | $3,332+57.3% |
| Admin fee / account holder | $3,563 | $3,932-9.4% | $8,159-56.3% | $4,645-23.3% |