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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 | $71,461 | $94,436-24.3% | $115,599-38.2% | $82,637-13.5% |
| Participation rate | 76.6% | 70.4%+6.2pp | 74.3%+2.3pp | 68.1%+8.5pp |
| Annual return | 17.12% | 18.37%-1.2pp | 111.10%-94.0pp | 53.51%-36.4pp |
| Employer contribution / active EE | $895 | $2,324-61.5% | $2,955-69.7% | $2,552-64.9% |
| Participant deferral / active EE | $3,119 | $3,955-21.1% | $4,889-36.2% | $4,126-24.4% |
| Admin fee / account holder | $686 | $10,328-93.4% | $12,841-94.7% | $7,339-90.7% |