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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 | $66,788 | $58,512+14.1% | $84,020-20.5% | $72,983-8.5% |
| Participation rate | 70.6% | 61.2%+9.4pp | 69.0%+1.6pp | 69.5%+1.1pp |
| Annual return | 19.19% | 28.93%-9.7pp | 71.31%-52.1pp | 81.01%-61.8pp |
| Employer contribution / active EE | $625 | $1,163-46.2% | $1,984-68.5% | $2,440-74.4% |
| Participant deferral / active EE | $1,910 | $2,394-20.2% | $3,239-41.0% | $3,608-47.0% |
| Admin fee / account holder | $3,158 | $4,569-30.9% | $6,101-48.2% | $5,124-38.4% |