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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 | $108,293 | $95,453+13.5% | $112,040-3.3% | $82,448+31.3% |
| Participation rate | 70.4% | 72.8%-2.4pp | 76.5%-6.1pp | 68.1%+2.3pp |
| Annual return | 12.74% | 23.92%-11.2pp | 24.52%-11.8pp | 41.64%-28.9pp |
| Employer contribution / active EE | $696 | $2,318-70.0% | $2,954-76.4% | $2,551-72.7% |
| Participant deferral / active EE | $2,474 | $4,224-41.4% | $5,098-51.5% | $4,139-40.2% |
| Admin fee / account holder | $5,444 | $9,013-39.6% | $12,098-55.0% | $7,234-24.7% |