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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 | $60,402 | $99,875-39.5% | $146,866-58.9% | $86,983-30.6% |
| Participation rate | 95.5% | 75.8%+19.6pp | 82.5%+12.9pp | 69.5%+25.9pp |
| Annual return | 17.16% | 28.10%-10.9pp | 102.85%-85.7pp | 25.83%-8.7pp |
| Employer contribution / active EE | $1,253 | $3,224-61.1% | $4,425-71.7% | $2,584-51.5% |
| Participant deferral / active EE | $8,638 | $6,322+36.6% | $7,759+11.3% | $4,194+106.0% |
| Admin fee / account holder | $7,284 | $7,838-7.1% | $13,620-46.5% | $7,856-7.3% |