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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 | $60,676 | $106,524-43.0% | $152,301-60.2% | $87,485-30.6% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.4%+13.6pp | 68.9%+27.1pp |
| Annual return | 14.09% | 26.89%-12.8pp | 80.50%-66.4pp | 26.06%-12.0pp |
| Employer contribution / active EE | $2,040 | $3,371-39.5% | $4,624-55.9% | $2,596-21.4% |
| Participant deferral / active EE | $3,484 | $6,525-46.6% | $8,004-56.5% | $4,274-18.5% |
| Admin fee / account holder | $9,520 | $8,287+14.9% | $14,398-33.9% | $7,775+22.5% |