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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 | $64,409 | $69,444-7.3% | $92,985-30.7% | $87,485-26.4% |
| Participation rate | 92.9% | 63.3%+29.6pp | 69.5%+23.4pp | 68.9%+23.9pp |
| Annual return | 16.94% | 23.85%-6.9pp | 27.99%-11.1pp | 26.06%-9.1pp |
| Employer contribution / active EE | $846 | $1,917-55.9% | $2,662-68.2% | $2,596-67.4% |
| Participant deferral / active EE | $6,007 | $3,364+78.6% | $4,377+37.2% | $4,274+40.6% |
| Admin fee / account holder | $9,849 | $6,137+60.5% | $9,463+4.1% | $7,775+26.7% |