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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 | $63,442 | $64,359-1.4% | $90,161-29.6% | $70,126-9.5% |
| Participation rate | 95.8% | 70.4%+25.4pp | 76.9%+19.0pp | 69.5%+26.3pp |
| Annual return | 18.87% | 28.13%-9.3pp | 34.89%-16.0pp | 73.15%-54.3pp |
| Employer contribution / active EE | $838 | $2,046-59.0% | $3,318-74.7% | $2,343-64.2% |
| Participant deferral / active EE | $13,013 | $4,389+196.5% | $5,287+146.1% | $3,332+290.6% |
| Admin fee / account holder | $5,281 | $3,945+33.9% | $5,943-11.1% | $4,645+13.7% |