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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 | $77,063 | $138,386-44.3% | $184,260-58.2% | $80,935-4.8% |
| Participation rate | 87.1% | 83.9%+3.2pp | 86.8%+0.3pp | 67.7%+19.4pp |
| Annual return | 19.62% | 20.02%-0.4pp | 28.84%-9.2pp | 35.66%-16.0pp |
| Employer contribution / active EE | $3,271 | $4,851-32.6% | $6,427-49.1% | $2,757+18.6% |
| Participant deferral / active EE | $4,304 | $7,076-39.2% | $9,133-52.9% | $4,299+0.1% |
| Admin fee / account holder | $3,411 | $10,489-67.5% | $13,898-75.5% | $6,924-50.7% |