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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 | $59,440+8.4% | $78,004-17.4% | $82,637-22.1% |
| Participation rate | 92.9% | 62.8%+30.0pp | 69.4%+23.4pp | 68.1%+24.8pp |
| Annual return | 16.94% | 40.24%-23.3pp | 31.07%-14.1pp | 53.51%-36.6pp |
| Employer contribution / active EE | $846 | $1,750-51.7% | $2,469-65.7% | $2,552-66.9% |
| Participant deferral / active EE | $6,007 | $3,138+91.4% | $4,092+46.8% | $4,126+45.6% |
| Admin fee / account holder | $9,849 | $5,504+78.9% | $7,578+30.0% | $7,339+34.2% |