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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 | $61,818 | $76,551-19.2% | $123,894-50.1% | $62,881-1.7% |
| Participation rate | 96.8% | 73.0%+23.8pp | 81.4%+15.4pp | 69.3%+27.5pp |
| Annual return | 10.55% | 18.68%-8.1pp | 47.52%-37.0pp | 20.14%-9.6pp |
| Employer contribution / active EE | $1,651 | $2,882-42.7% | $4,617-64.2% | $2,281-27.6% |
| Participant deferral / active EE | $4,400 | $4,840-9.1% | $5,984-26.5% | $3,203+37.4% |
| Admin fee / account holder | $2,660 | $4,826-44.9% | $8,357-68.2% | $4,296-38.1% |