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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 | $61,437 | $81,358-24.5% | $155,556-60.5% | $80,959-24.1% |
| Participation rate | 77.6% | 66.3%+11.4pp | 78.2%-0.6pp | 67.7%+10.0pp |
| Annual return | 15.54% | 33.39%-17.8pp | 64.84%-49.3pp | 35.67%-20.1pp |
| Employer contribution / active EE | $930 | $3,106-70.1% | $4,675-80.1% | $2,757-66.3% |
| Participant deferral / active EE | $5,745 | $3,455+66.3% | $5,631+2.0% | $4,300+33.6% |
| Admin fee / account holder | $3,378 | $7,994-57.7% | $15,885-78.7% | $6,925-51.2% |