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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 | $74,857 | $95,404-21.5% | $113,397-34.0% | $82,637-9.4% |
| Participation rate | 92.5% | 72.8%+19.6pp | 76.5%+16.0pp | 68.1%+24.4pp |
| Annual return | 15.50% | 19.08%-3.6pp | 23.20%-7.7pp | 53.51%-38.0pp |
| Employer contribution / active EE | $944 | $2,307-59.1% | $2,977-68.3% | $2,552-63.0% |
| Participant deferral / active EE | $4,316 | $4,220+2.3% | $5,076-15.0% | $4,126+4.6% |
| Admin fee / account holder | $7,057 | $9,168-23.0% | $11,957-41.0% | $7,339-3.8% |