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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 | $96,499 | $58,493+65.0% | $84,023+14.8% | $72,976+32.2% |
| Participation rate | 73.8% | 61.2%+12.5pp | 69.0%+4.8pp | 69.5%+4.3pp |
| Annual return | 18.72% | 28.93%-10.2pp | 71.32%-52.6pp | 81.02%-62.3pp |
| Employer contribution / active EE | $941 | $1,163-19.1% | $1,984-52.5% | $2,440-61.4% |
| Participant deferral / active EE | $2,189 | $2,394-8.6% | $3,239-32.4% | $3,608-39.3% |
| Admin fee / account holder | $5,130 | $4,569+12.3% | $6,102-15.9% | $5,124+0.1% |