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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 | $68,300 | $93,598-27.0% | $135,974-49.8% | $75,173-9.1% |
| Participation rate | 84.2% | 75.2%+9.0pp | 81.9%+2.3pp | 67.2%+17.0pp |
| Annual return | 20.35% | 30.89%-10.5pp | 68.30%-48.0pp | 160.72%-140.4pp |
| Employer contribution / active EE | $2,777 | $3,538-21.5% | $4,859-42.8% | $2,671+4.0% |
| Participant deferral / active EE | $5,247 | $6,405-18.1% | $7,760-32.4% | $4,126+27.2% |
| Admin fee / account holder | $1,318 | $6,978-81.1% | $10,767-87.8% | $5,651-76.7% |