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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 | $63,002 | $72,027-12.5% | $185,861-66.1% | $79,856-21.1% |
| Participation rate | 90.3% | 65.8%+24.6pp | 78.0%+12.3pp | 69.6%+20.7pp |
| Annual return | 16.45% | 23.13%-6.7pp | 35.96%-19.5pp | 31.71%-15.3pp |
| Employer contribution / active EE | $574 | $1,965-70.8% | $4,088-86.0% | $2,471-76.8% |
| Participant deferral / active EE | $5,752 | $3,780+52.2% | $5,634+2.1% | $3,741+53.8% |
| Admin fee / account holder | $8,881 | $4,513+96.8% | $9,503-6.5% | $5,306+67.4% |