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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 | $129,982 | $138,385-6.1% | $184,200-29.4% | $80,874+60.7% |
| Participation rate | 77.8% | 83.9%-6.1pp | 86.8%-9.1pp | 67.6%+10.1pp |
| Annual return | 18.87% | 20.02%-1.2pp | 28.80%-9.9pp | 35.62%-16.8pp |
| Employer contribution / active EE | $1,997 | $4,849-58.8% | $6,424-68.9% | $2,756-27.5% |
| Participant deferral / active EE | $4,924 | $7,073-30.4% | $9,132-46.1% | $4,297+14.6% |
| Admin fee / account holder | $2,480 | $10,483-76.3% | $13,907-82.2% | $6,935-64.2% |