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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 | $62,406 | $76,551-18.5% | $123,894-49.6% | $62,881-0.8% |
| Participation rate | 93.3% | 73.0%+20.4pp | 81.4%+11.9pp | 69.3%+24.0pp |
| Annual return | 8.27% | 18.68%-10.4pp | 47.52%-39.3pp | 20.14%-11.9pp |
| Employer contribution / active EE | $3,572 | $2,882+23.9% | $4,617-22.6% | $2,281+56.6% |
| Participant deferral / active EE | $3,996 | $4,840-17.4% | $5,984-33.2% | $3,203+24.8% |
| Admin fee / account holder | $1,576 | $4,826-67.3% | $8,357-81.1% | $4,296-63.3% |