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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 | $58,627+9.9% | $76,735-16.1% | $82,448-21.9% |
| Participation rate | 92.9% | 63.2%+29.6pp | 69.5%+23.4pp | 68.1%+24.8pp |
| Annual return | 16.94% | 39.10%-22.2pp | 29.77%-12.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $846 | $1,729-51.1% | $2,454-65.5% | $2,551-66.8% |
| Participant deferral / active EE | $6,007 | $3,134+91.7% | $4,088+46.9% | $4,139+45.1% |
| Admin fee / account holder | $9,849 | $5,323+85.0% | $7,189+37.0% | $7,234+36.1% |