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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 | $114,673 | $123,793-7.4% | $177,840-35.5% | $79,852+43.6% |
| Participation rate | 93.6% | 84.7%+9.0pp | 87.7%+5.9pp | 69.6%+24.0pp |
| Annual return | 17.58% | 22.82%-5.2pp | 48.32%-30.7pp | 31.72%-14.1pp |
| Employer contribution / active EE | $1,242 | $4,095-69.7% | $5,919-79.0% | $2,471-49.8% |
| Participant deferral / active EE | $6,460 | $5,956+8.5% | $7,714-16.3% | $3,740+72.7% |
| Admin fee / account holder | $2,530 | $7,243-65.1% | $12,431-79.6% | $5,306-52.3% |