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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 | $78,535 | $54,541+44.0% | $78,778-0.3% | $70,126+12.0% |
| Participation rate | 88.5% | 60.8%+27.7pp | 69.2%+19.3pp | 69.5%+18.9pp |
| Annual return | 19.15% | 21.07%-1.9pp | 35.62%-16.5pp | 73.15%-54.0pp |
| Employer contribution / active EE | $605 | $1,089-44.4% | $1,986-69.5% | $2,343-74.2% |
| Participant deferral / active EE | $2,462 | $2,210+11.4% | $2,958-16.8% | $3,332-26.1% |
| Admin fee / account holder | $1,789 | $3,709-51.8% | $5,134-65.2% | $4,645-61.5% |