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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 | $79,138 | $53,777+47.2% | $134,155-41.0% | $79,858-0.9% |
| Participation rate | 73.1% | 58.8%+14.3pp | 72.2%+0.9pp | 69.6%+3.4pp |
| Annual return | 13.12% | 19.01%-5.9pp | 36.34%-23.2pp | 31.72%-18.6pp |
| Employer contribution / active EE | $991 | $1,321-25.0% | $3,705-73.3% | $2,471-59.9% |
| Participant deferral / active EE | $4,019 | $2,420+66.1% | $3,500+14.8% | $3,740+7.5% |
| Admin fee / account holder | $12,768 | $3,984+220.5% | $6,685+91.0% | $5,306+140.6% |