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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 | $64,030 | $60,349+6.1% | $74,184-13.7% | $62,881+1.8% |
| Participation rate | 85.1% | 72.7%+12.3pp | 76.6%+8.5pp | 69.3%+15.8pp |
| Annual return | 8.39% | 21.38%-13.0pp | 17.74%-9.4pp | 20.14%-11.8pp |
| Employer contribution / active EE | $1,235 | $1,680-26.5% | $2,370-47.9% | $2,281-45.9% |
| Participant deferral / active EE | $6,299 | $2,856+120.5% | $3,550+77.4% | $3,203+96.7% |
| Admin fee / account holder | $957 | $4,261-77.5% | $5,586-82.9% | $4,296-77.7% |