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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 | $68,987 | $106,749-35.4% | $145,433-52.6% | $82,448-16.3% |
| Participation rate | 78.0% | 75.6%+2.4pp | 82.1%-4.1pp | 68.1%+10.0pp |
| Annual return | 16.51% | 27.59%-11.1pp | 66.58%-50.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $1,964 | $3,444-43.0% | $4,554-56.9% | $2,551-23.0% |
| Participant deferral / active EE | $3,644 | $6,519-44.1% | $7,897-53.9% | $4,139-12.0% |
| Admin fee / account holder | $3,870 | $8,390-53.9% | $13,129-70.5% | $7,234-46.5% |