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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 | $122,822 | $71,353+72.1% | $92,805+32.3% | $86,983+41.2% |
| Participation rate | 78.1% | 80.9%-2.8pp | 83.5%-5.4pp | 69.5%+8.6pp |
| Annual return | 15.05% | 44.68%-29.6pp | 31.59%-16.5pp | 25.83%-10.8pp |
| Employer contribution / active EE | $946 | $2,468-61.7% | $3,424-72.4% | $2,584-63.4% |
| Participant deferral / active EE | $9,392 | $6,966+34.8% | $8,448+11.2% | $4,194+123.9% |
| Admin fee / account holder | $3,843 | $6,099-37.0% | $10,911-64.8% | $7,856-51.1% |