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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 | $68,296 | $112,729-39.4% | $98,716-30.8% | $137,256-50.2% |
| Participation rate | 70.0% | 74.2%-4.2pp | 69.3%+0.7pp | 80.0%-10.0pp |
| Annual return | 13.25% | 38.48%-25.2pp | 31.81%-18.6pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,930 | $2,725-29.2% | $2,279-15.3% | $4,156-53.6% |
| Participant deferral / active EE | $4,016 | $4,640-13.4% | $4,048-0.8% | $6,407-37.3% |
| Admin fee / account holder | $14,059 | $10,129+38.8% | $8,703+61.5% | $12,270+14.6% |