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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 | $79,517 | $57,828+37.5% | $117,039-32.1% | $70,126+13.4% |
| Participation rate | 74.4% | 67.1%+7.3pp | 77.2%-2.8pp | 69.5%+4.9pp |
| Annual return | 16.45% | 17.55%-1.1pp | 18.95%-2.5pp | 73.15%-56.7pp |
| Employer contribution / active EE | $599 | $1,816-67.0% | $3,785-84.2% | $2,343-74.4% |
| Participant deferral / active EE | $4,200 | $2,438+72.3% | $3,929+6.9% | $3,332+26.0% |
| Admin fee / account holder | $4,190 | $3,548+18.1% | $5,974-29.9% | $4,645-9.8% |