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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 | $79,540 | $76,407+4.1% | $150,298-47.1% | $82,448-3.5% |
| Participation rate | 72.5% | 66.4%+6.2pp | 77.8%-5.2pp | 68.1%+4.5pp |
| Annual return | 18.62% | 39.99%-21.4pp | 62.79%-44.2pp | 41.64%-23.0pp |
| Employer contribution / active EE | $1,376 | $2,614-47.4% | $4,154-66.9% | $2,551-46.1% |
| Participant deferral / active EE | $4,506 | $3,214+40.2% | $5,453-17.4% | $4,139+8.9% |
| Admin fee / account holder | $1,613 | $6,352-74.6% | $14,116-88.6% | $7,234-77.7% |