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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 | $64,582 | $114,712-43.7% | $173,730-62.8% | $87,485-26.2% |
| Participation rate | 89.2% | 73.0%+16.2pp | 79.6%+9.7pp | 68.9%+20.3pp |
| Annual return | 15.71% | 20.18%-4.5pp | 19.96%-4.2pp | 26.06%-10.4pp |
| Employer contribution / active EE | $2,506 | $2,904-13.7% | $4,577-45.3% | $2,596-3.5% |
| Participant deferral / active EE | $6,851 | $4,642+47.6% | $6,326+8.3% | $4,274+60.3% |
| Admin fee / account holder | $1,041 | $10,210-89.8% | $17,523-94.1% | $7,775-86.6% |