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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 | $73,007 | $107,733-32.2% | $92,985-21.5% | $154,746-52.8% |
| Participation rate | 77.8% | 74.6%+3.2pp | 69.5%+8.3pp | 80.7%-2.9pp |
| Annual return | 13.89% | 30.39%-16.5pp | 27.99%-14.1pp | 172.34%-158.4pp |
| Employer contribution / active EE | $1,702 | $3,126-45.6% | $2,662-36.1% | $4,379-61.1% |
| Participant deferral / active EE | $3,479 | $5,053-31.2% | $4,377-20.5% | $6,730-48.3% |
| Admin fee / account holder | $3,343 | $11,369-70.6% | $9,463-64.7% | $14,365-76.7% |