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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 | $142,934 | $106,524+34.2% | $152,301-6.2% | $87,485+63.4% |
| Participation rate | 71.4% | 75.8%-4.3pp | 82.4%-11.0pp | 68.9%+2.5pp |
| Annual return | 17.09% | 26.89%-9.8pp | 80.50%-63.4pp | 26.06%-9.0pp |
| Employer contribution / active EE | $3,336 | $3,371-1.1% | $4,624-27.9% | $2,596+28.5% |
| Participant deferral / active EE | $6,565 | $6,525+0.6% | $8,004-18.0% | $4,274+53.6% |
| Admin fee / account holder | $1,195 | $8,287-85.6% | $14,398-91.7% | $7,775-84.6% |