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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 | $82,955 | $106,524-22.1% | $152,301-45.5% | $87,485-5.2% |
| Participation rate | 88.5% | 75.8%+12.7pp | 82.4%+6.0pp | 68.9%+19.5pp |
| Annual return | 15.59% | 26.89%-11.3pp | 80.50%-64.9pp | 26.06%-10.5pp |
| Employer contribution / active EE | $889 | $3,371-73.6% | $4,624-80.8% | $2,596-65.8% |
| Participant deferral / active EE | $6,776 | $6,525+3.9% | $8,004-15.3% | $4,274+58.6% |
| Admin fee / account holder | $1,639 | $8,287-80.2% | $14,398-88.6% | $7,775-78.9% |