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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 | $97,881 | $146,267-33.1% | $197,124-50.3% | $82,448+18.7% |
| Participation rate | 89.1% | 84.0%+5.1pp | 86.7%+2.4pp | 68.1%+21.0pp |
| Annual return | 16.60% | 29.61%-13.0pp | 44.34%-27.7pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,742 | $4,723-63.1% | $6,227-72.0% | $2,551-31.7% |
| Participant deferral / active EE | $5,712 | $7,035-18.8% | $9,135-37.5% | $4,139+38.0% |
| Admin fee / account holder | $4,129 | $14,422-71.4% | $16,298-74.7% | $7,234-42.9% |