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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 | $54,918 | $81,504-32.6% | $102,437-46.4% | $80,959-32.2% |
| Participation rate | 75.7% | 66.9%+8.8pp | 74.5%+1.2pp | 67.7%+8.0pp |
| Annual return | 22.17% | 25.60%-3.4pp | 24.95%-2.8pp | 35.67%-13.5pp |
| Employer contribution / active EE | $1,764 | $3,104-43.2% | $3,871-54.4% | $2,757-36.0% |
| Participant deferral / active EE | $8,199 | $3,871+111.8% | $5,060+62.0% | $4,300+90.7% |
| Admin fee / account holder | $479 | $6,719-92.9% | $8,388-94.3% | $6,925-93.1% |