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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 | $64,156 | $78,423-18.2% | $95,964-33.1% | $79,856-19.7% |
| Participation rate | 88.9% | 73.5%+15.4pp | 77.1%+11.8pp | 69.6%+19.2pp |
| Annual return | 15.80% | 19.37%-3.6pp | 91.64%-75.8pp | 31.71%-15.9pp |
| Employer contribution / active EE | $748 | $1,945-61.6% | $2,541-70.6% | $2,471-69.7% |
| Participant deferral / active EE | $6,631 | $3,440+92.7% | $4,167+59.1% | $3,741+77.3% |
| Admin fee / account holder | $4,793 | $5,622-14.7% | $6,797-29.5% | $5,306-9.7% |