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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 | $64,632 | $56,054+15.3% | $171,082-62.2% | $62,891+2.8% |
| Participation rate | 81.3% | 62.9%+18.4pp | 76.7%+4.6pp | 69.3%+11.9pp |
| Annual return | 7.98% | 22.52%-14.5pp | 32.56%-24.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $2,863 | $1,731+65.4% | $4,002-28.5% | $2,281+25.5% |
| Participant deferral / active EE | $4,088 | $3,158+29.5% | $4,797-14.8% | $3,203+27.6% |
| Admin fee / account holder | $4,771 | $3,647+30.8% | $8,520-44.0% | $4,296+11.1% |