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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 | $78,175 | $81,331-3.9% | $155,534-49.7% | $80,935-3.4% |
| Participation rate | 76.1% | 66.3%+9.8pp | 78.2%-2.1pp | 67.7%+8.4pp |
| Annual return | 15.37% | 33.37%-18.0pp | 64.92%-49.5pp | 35.66%-20.3pp |
| Employer contribution / active EE | $1,907 | $3,105-38.6% | $4,675-59.2% | $2,757-30.8% |
| Participant deferral / active EE | $5,630 | $3,454+63.0% | $5,6300% | $4,299+30.9% |
| Admin fee / account holder | $518 | $7,999-93.5% | $15,900-96.7% | $6,924-92.5% |