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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 | $73,749 | $76,407-3.5% | $150,298-50.9% | $82,448-10.6% |
| Participation rate | 72.4% | 66.4%+6.0pp | 77.8%-5.3pp | 68.1%+4.3pp |
| Annual return | 25.79% | 39.99%-14.2pp | 62.79%-37.0pp | 41.64%-15.9pp |
| Employer contribution / active EE | $2,301 | $2,614-12.0% | $4,154-44.6% | $2,551-9.8% |
| Participant deferral / active EE | $5,047 | $3,214+57.0% | $5,453-7.4% | $4,139+21.9% |
| Admin fee / account holder | $947 | $6,352-85.1% | $14,116-93.3% | $7,234-86.9% |