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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 | $75,321 | $138,366-45.6% | $184,185-59.1% | $80,911-6.9% |
| Participation rate | 91.1% | 83.9%+7.2pp | 86.8%+4.3pp | 67.6%+23.5pp |
| Annual return | 18.63% | 20.02%-1.4pp | 28.81%-10.2pp | 35.63%-17.0pp |
| Employer contribution / active EE | $2,311 | $4,849-52.3% | $6,426-64.0% | $2,756-16.1% |
| Participant deferral / active EE | $5,323 | $7,074-24.8% | $9,132-41.7% | $4,297+23.9% |
| Admin fee / account holder | $4,192 | $10,484-60.0% | $13,909-69.9% | $6,935-39.5% |