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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 | $56,663 | $106,524-46.8% | $152,301-62.8% | $87,485-35.2% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.4%-2.4pp | 68.9%+11.1pp |
| Annual return | 16.99% | 26.89%-9.9pp | 80.50%-63.5pp | 26.06%-9.1pp |
| Employer contribution / active EE | $925 | $3,371-72.6% | $4,624-80.0% | $2,596-64.4% |
| Participant deferral / active EE | $3,566 | $6,525-45.4% | $8,004-55.5% | $4,274-16.6% |
| Admin fee / account holder | $4,161 | $8,287-49.8% | $14,398-71.1% | $7,775-46.5% |