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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 | $99,401 | $57,065+74.2% | $75,670+31.4% | $70,131+41.7% |
| Participation rate | 70.8% | 68.1%+2.7pp | 72.3%-1.5pp | 69.5%+1.3pp |
| Annual return | 15.04% | 23.57%-8.5pp | 27.34%-12.3pp | 73.14%-58.1pp |
| Employer contribution / active EE | $1,202 | $1,817-33.8% | $2,352-48.9% | $2,342-48.7% |
| Participant deferral / active EE | $3,025 | $2,580+17.3% | $3,142-3.7% | $3,332-9.2% |
| Admin fee / account holder | $5,054 | $3,825+32.1% | $5,800-12.9% | $4,645+8.8% |