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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 | $63,237 | $76,551-17.4% | $123,894-49.0% | $62,881+0.6% |
| Participation rate | 96.3% | 73.0%+23.3pp | 81.4%+14.9pp | 69.3%+27.0pp |
| Annual return | 6.43% | 18.68%-12.2pp | 47.52%-41.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $2,326 | $2,882-19.3% | $4,617-49.6% | $2,281+2.0% |
| Participant deferral / active EE | $4,339 | $4,840-10.3% | $5,984-27.5% | $3,203+35.5% |
| Admin fee / account holder | $1,744 | $4,826-63.9% | $8,357-79.1% | $4,296-59.4% |