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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 | $62,966 | $93,617-32.7% | $135,982-53.7% | $75,177-16.2% |
| Participation rate | 80.0% | 75.2%+4.8pp | 81.9%-1.9pp | 67.2%+12.8pp |
| Annual return | 18.85% | 30.89%-12.0pp | 68.32%-49.5pp | 160.75%-141.9pp |
| Employer contribution / active EE | $3,532 | $3,538-0.2% | $4,859-27.3% | $2,671+32.2% |
| Participant deferral / active EE | $7,417 | $6,406+15.8% | $7,760-4.4% | $4,126+79.8% |
| Admin fee / account holder | $1,430 | $6,980-79.5% | $10,767-86.7% | $5,651-74.7% |