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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 | $138,366-44.3% | $184,185-58.2% | $80,911-4.8% |
| Participation rate | 87.1% | 83.9%+3.2pp | 86.8%+0.3pp | 67.6%+19.4pp |
| Annual return | 19.62% | 20.02%-0.4pp | 28.81%-9.2pp | 35.63%-16.0pp |
| Employer contribution / active EE | $3,271 | $4,849-32.5% | $6,426-49.1% | $2,756+18.7% |
| Participant deferral / active EE | $4,304 | $7,074-39.2% | $9,132-52.9% | $4,297+0.2% |
| Admin fee / account holder | $3,411 | $10,484-67.5% | $13,909-75.5% | $6,935-50.8% |