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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 | $54,899 | $75,807-27.6% | $116,096-52.7% | $86,983-36.9% |
| Participation rate | 74.1% | 66.9%+7.2pp | 73.3%+0.8pp | 69.5%+4.5pp |
| Annual return | 16.14% | 18.57%-2.4pp | 326.25%-310.1pp | 25.83%-9.7pp |
| Employer contribution / active EE | $1,849 | $1,892-2.3% | $2,503-26.2% | $2,584-28.5% |
| Participant deferral / active EE | $3,745 | $3,212+16.6% | $3,952-5.2% | $4,194-10.7% |
| Admin fee / account holder | $8,123 | $6,659+22.0% | $7,704+5.4% | $7,856+3.4% |