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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 | $66,300 | $76,371-13.2% | $93,621-29.2% | $72,975-9.1% |
| Participation rate | 85.7% | 71.8%+14.0pp | 75.8%+9.9pp | 69.5%+16.2pp |
| Annual return | 24.68% | 25.82%-1.1pp | 32.76%-8.1pp | 81.01%-56.3pp |
| Employer contribution / active EE | $806 | $2,276-64.6% | $2,719-70.3% | $2,440-67.0% |
| Participant deferral / active EE | $2,353 | $3,538-33.5% | $4,070-42.2% | $3,608-34.8% |
| Admin fee / account holder | $2,039 | $6,839-70.2% | $7,890-74.2% | $5,124-60.2% |