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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 | $87,858 | $52,306+68.0% | $69,779+25.9% | $62,881+39.7% |
| Participation rate | 75.0% | 67.2%+7.8pp | 71.8%+3.2pp | 69.3%+5.7pp |
| Annual return | 7.05% | 13.35%-6.3pp | 12.99%-5.9pp | 20.14%-13.1pp |
| Employer contribution / active EE | $1,481 | $1,799-17.7% | $2,338-36.7% | $2,281-35.1% |
| Participant deferral / active EE | $3,093 | $2,395+29.1% | $2,931+5.5% | $3,203-3.4% |
| Admin fee / account holder | $18,476 | $3,691+400.5% | $4,381+321.7% | $4,296+330.1% |