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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 | $65,720 | $106,864-38.5% | $147,318-55.4% | $82,637-20.5% |
| Participation rate | 88.0% | 75.5%+12.5pp | 82.1%+5.9pp | 68.1%+19.9pp |
| Annual return | 23.82% | 27.49%-3.7pp | 70.43%-46.6pp | 53.51%-29.7pp |
| Employer contribution / active EE | $1,492 | $3,417-56.3% | $4,593-67.5% | $2,552-41.5% |
| Participant deferral / active EE | $9,037 | $6,496+39.1% | $7,906+14.3% | $4,126+119.0% |
| Admin fee / account holder | $3,005 | $8,415-64.3% | $13,708-78.1% | $7,339-59.1% |