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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 | $60,613 | $58,523+3.6% | $99,475-39.1% | $72,975-16.9% |
| Participation rate | 92.9% | 64.6%+28.2pp | 73.8%+19.0pp | 69.5%+23.4pp |
| Annual return | 24.12% | 28.51%-4.4pp | 30.72%-6.6pp | 81.01%-56.9pp |
| Employer contribution / active EE | $1,683 | $1,512+11.3% | $2,540-33.7% | $2,440-31.0% |
| Participant deferral / active EE | $3,570 | $2,606+37.0% | $3,619-1.3% | $3,608-1.0% |
| Admin fee / account holder | $1,869 | $4,102-54.4% | $6,252-70.1% | $5,124-63.5% |