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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 | $62,524 | $93,589-33.2% | $135,942-54.0% | $75,181-16.8% |
| Participation rate | 86.4% | 75.2%+11.2pp | 81.9%+4.5pp | 67.2%+19.2pp |
| Annual return | 23.42% | 30.90%-7.5pp | 68.28%-44.9pp | 160.69%-137.3pp |
| Employer contribution / active EE | $3,673 | $3,537+3.8% | $4,858-24.4% | $2,671+37.6% |
| Participant deferral / active EE | $7,675 | $6,405+19.8% | $7,759-1.1% | $4,126+86.0% |
| Admin fee / account holder | $6,218 | $6,977-10.9% | $10,764-42.2% | $5,650+10.1% |