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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 | $179,208 | $136,860+30.9% | $120,344+48.9% | $154,746+15.8% |
| Participation rate | 70.0% | 79.9%-9.9pp | 76.7%-6.7pp | 80.7%-10.7pp |
| Annual return | 11.41% | 21.38%-10.0pp | 20.30%-8.9pp | 172.34%-160.9pp |
| Employer contribution / active EE | $1,203 | $3,533-65.9% | $3,020-60.2% | $4,379-72.5% |
| Participant deferral / active EE | $2,855 | $5,793-50.7% | $5,135-44.4% | $6,730-57.6% |
| Admin fee / account holder | $7,077 | $15,393-54.0% | $12,742-44.5% | $14,365-50.7% |