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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 | $60,911 | $54,541+11.7% | $78,778-22.7% | $70,126-13.1% |
| Participation rate | 87.5% | 60.8%+26.7pp | 69.2%+18.3pp | 69.5%+18.0pp |
| Annual return | 19.05% | 21.07%-2.0pp | 35.62%-16.6pp | 73.15%-54.1pp |
| Employer contribution / active EE | $938 | $1,089-13.8% | $1,986-52.8% | $2,343-60.0% |
| Participant deferral / active EE | $3,557 | $2,210+60.9% | $2,958+20.2% | $3,332+6.8% |
| Admin fee / account holder | $854 | $3,709-77.0% | $5,134-83.4% | $4,645-81.6% |