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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 | $81,233-24.4% | $155,567-60.5% | $80,874-24.0% |
| Participation rate | 77.6% | 66.2%+11.4pp | 78.2%-0.6pp | 67.6%+10.0pp |
| Annual return | 15.54% | 33.33%-17.8pp | 64.74%-49.2pp | 35.62%-20.1pp |
| Employer contribution / active EE | $930 | $3,101-70.0% | $4,674-80.1% | $2,756-66.3% |
| Participant deferral / active EE | $5,745 | $3,452+66.4% | $5,628+2.1% | $4,297+33.7% |
| Admin fee / account holder | $3,378 | $7,998-57.8% | $15,916-78.8% | $6,935-51.3% |