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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 | $65,157 | $43,075+51.3% | $74,577-12.6% | $62,881+3.6% |
| Participation rate | 84.4% | 58.1%+26.4pp | 68.1%+16.3pp | 69.3%+15.1pp |
| Annual return | 5.60% | 17.50%-11.9pp | 20.47%-14.9pp | 20.14%-14.5pp |
| Employer contribution / active EE | $1,496 | $1,498-0.1% | $2,525-40.8% | $2,281-34.4% |
| Participant deferral / active EE | $3,121 | $2,389+30.6% | $3,458-9.8% | $3,203-2.6% |
| Admin fee / account holder | $6,982 | $2,840+145.9% | $4,138+68.7% | $4,296+62.5% |