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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 | $63,867 | $69,590-8.2% | $136,867-53.3% | $94,015-32.1% |
| Participation rate | 82.9% | 66.3%+16.5pp | 74.5%+8.3pp | 70.8%+12.0pp |
| Annual return | 16.94% | 19.62%-2.7pp | 42.97%-26.0pp | 17.84%-0.9pp |
| Employer contribution / active EE | $3,670 | $2,396+53.2% | $3,547+3.5% | $2,790+31.6% |
| Participant deferral / active EE | $5,077 | $3,437+47.7% | $4,924+3.1% | $4,249+19.5% |
| Admin fee / account holder | $462 | $8,912-94.8% | $10,340-95.5% | $8,951-94.8% |