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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 | $62,329 | $56,287+10.7% | $80,977-23.0% | $62,881-0.9% |
| Participation rate | 77.1% | 68.9%+8.1pp | 75.8%+1.3pp | 69.3%+7.8pp |
| Annual return | 7.56% | 22.13%-14.6pp | 17.11%-9.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,764 | $1,943-9.2% | $3,715-52.5% | $2,281-22.6% |
| Participant deferral / active EE | $5,264 | $4,196+25.5% | $5,696-7.6% | $3,203+64.3% |
| Admin fee / account holder | $898 | $3,742-76.0% | $5,517-83.7% | $4,296-79.1% |