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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 | $51,374 | $50,947+0.8% | $74,551-31.1% | $64,173-19.9% |
| Participation rate | 86.0% | 61.1%+25.0pp | 69.1%+16.9pp | 69.6%+16.5pp |
| Annual return | 7.24% | -1.85%+9.1pp | 32.53%-25.3pp | 7.63%-0.4pp |
| Employer contribution / active EE | $1,800 | $1,115+61.4% | $1,961-8.2% | $2,381-24.4% |
| Participant deferral / active EE | $3,758 | $2,302+63.3% | $3,108+20.9% | $3,470+8.3% |
| Admin fee / account holder | $307 | $4,221-92.7% | $5,059-93.9% | $4,887-93.7% |