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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 | $241,933 | $136,307+77.5% | $106,619+126.9% | $273,972-11.7% |
| Participation rate | 80.0% | 84.8%-4.8pp | 78.0%+2.0pp | 83.0%-3.0pp |
| Annual return | 9.12% | 11.05%-1.9pp | 9.42%-0.3pp | 41.46%-32.3pp |
| Employer contribution / active EE | $2,087 | $5,190-59.8% | $3,947-47.1% | $4,869-57.1% |
| Participant deferral / active EE | $5,700 | $4,969+14.7% | $3,930+45.0% | $5,287+7.8% |
| Admin fee / account holder | $501 | $8,625-94.2% | $6,418-92.2% | $10,133-95.1% |