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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 | $73,977 | $49,249+50.2% | $70,476+5.0% | $79,852-7.4% |
| Participation rate | 70.7% | 69.2%+1.5pp | 75.1%-4.4pp | 69.6%+1.1pp |
| Annual return | 12.95% | 30.09%-17.1pp | 109.12%-96.2pp | 31.72%-18.8pp |
| Employer contribution / active EE | $438 | $2,100-79.1% | $2,738-84.0% | $2,471-82.3% |
| Participant deferral / active EE | $3,447 | $2,769+24.5% | $3,710-7.1% | $3,740-7.8% |
| Admin fee / account holder | $5,487 | $2,878+90.6% | $3,847+42.6% | $5,306+3.4% |