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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 | $66,414 | $67,602-1.8% | $82,312-19.3% | $70,126-5.3% |
| Participation rate | 77.8% | 72.8%+5.0pp | 76.9%+0.9pp | 69.5%+8.2pp |
| Annual return | 17.61% | 21.57%-4.0pp | 25.88%-8.3pp | 73.15%-55.5pp |
| Employer contribution / active EE | $977 | $1,755-44.3% | $2,428-59.8% | $2,343-58.3% |
| Participant deferral / active EE | $2,507 | $2,987-16.1% | $3,706-32.4% | $3,332-24.8% |
| Admin fee / account holder | $549 | $4,512-87.8% | $5,608-90.2% | $4,645-88.2% |