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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 | $61,952 | $76,551-19.1% | $123,894-50.0% | $62,881-1.5% |
| Participation rate | 92.9% | 73.0%+19.9pp | 81.4%+11.4pp | 69.3%+23.6pp |
| Annual return | 6.06% | 18.68%-12.6pp | 47.52%-41.5pp | 20.14%-14.1pp |
| Employer contribution / active EE | $1,569 | $2,882-45.6% | $4,617-66.0% | $2,281-31.2% |
| Participant deferral / active EE | $6,274 | $4,840+29.6% | $5,984+4.8% | $3,203+95.9% |
| Admin fee / account holder | $400 | $4,826-91.7% | $8,357-95.2% | $4,296-90.7% |