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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 | $60,641 | $67,602-10.3% | $82,312-26.3% | $70,126-13.5% |
| Participation rate | 85.1% | 72.8%+12.3pp | 76.9%+8.2pp | 69.5%+15.6pp |
| Annual return | 14.83% | 21.57%-6.7pp | 25.88%-11.1pp | 73.15%-58.3pp |
| Employer contribution / active EE | $439 | $1,755-75.0% | $2,428-81.9% | $2,343-81.3% |
| Participant deferral / active EE | $3,116 | $2,987+4.3% | $3,706-15.9% | $3,332-6.5% |
| Admin fee / account holder | $432 | $4,512-90.4% | $5,608-92.3% | $4,645-90.7% |