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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 | $72,914 | $46,877+55.5% | $122,354-40.4% | $70,126+4.0% |
| Participation rate | 75.9% | 58.2%+17.7pp | 71.6%+4.2pp | 69.5%+6.3pp |
| Annual return | 19.41% | 24.22%-4.8pp | 30.28%-10.9pp | 73.15%-53.7pp |
| Employer contribution / active EE | $2,385 | $1,288+85.1% | $4,051-41.1% | $2,343+1.8% |
| Participant deferral / active EE | $4,744 | $2,167+118.9% | $3,287+44.3% | $3,332+42.4% |
| Admin fee / account holder | $862 | $3,324-74.1% | $5,479-84.3% | $4,645-81.4% |