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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 | $62,852 | $81,331-22.7% | $155,534-59.6% | $80,935-22.3% |
| Participation rate | 92.6% | 66.3%+26.4pp | 78.2%+14.4pp | 67.7%+25.0pp |
| Annual return | 15.71% | 33.37%-17.7pp | 64.92%-49.2pp | 35.66%-20.0pp |
| Employer contribution / active EE | $603 | $3,105-80.6% | $4,675-87.1% | $2,757-78.1% |
| Participant deferral / active EE | $6,864 | $3,454+98.7% | $5,630+21.9% | $4,299+59.6% |
| Admin fee / account holder | $7,274 | $7,999-9.1% | $15,900-54.2% | $6,924+5.1% |