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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 | $73,426 | $60,349+21.7% | $74,184-1.0% | $62,881+16.8% |
| Participation rate | 76.5% | 72.7%+3.7pp | 76.6%-0.1pp | 69.3%+7.2pp |
| Annual return | 5.32% | 21.38%-16.1pp | 17.74%-12.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $593 | $1,680-64.7% | $2,370-75.0% | $2,281-74.0% |
| Participant deferral / active EE | $4,109 | $2,856+43.9% | $3,550+15.7% | $3,203+28.3% |
| Admin fee / account holder | $1,085 | $4,261-74.5% | $5,586-80.6% | $4,296-74.7% |