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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 | $55,661 | $53,774+3.5% | $134,162-58.5% | $79,856-30.3% |
| Participation rate | 83.8% | 58.8%+25.0pp | 72.2%+11.6pp | 69.6%+14.1pp |
| Annual return | 24.19% | 19.01%+5.2pp | 36.35%-12.2pp | 31.71%-7.5pp |
| Employer contribution / active EE | $775 | $1,322-41.3% | $3,705-79.1% | $2,471-68.6% |
| Participant deferral / active EE | $2,450 | $2,420+1.2% | $3,500-30.0% | $3,741-34.5% |
| Admin fee / account holder | $665 | $3,985-83.3% | $6,685-90.1% | $5,306-87.5% |