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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 | $55,161 | $67,602-18.4% | $82,312-33.0% | $70,126-21.3% |
| Participation rate | 76.6% | 72.8%+3.8pp | 76.9%-0.3pp | 69.5%+7.0pp |
| Annual return | 14.04% | 21.57%-7.5pp | 25.88%-11.8pp | 73.15%-59.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,644 | $2,987+55.5% | $3,706+25.3% | $3,332+39.4% |
| Admin fee / account holder | $2,951 | $4,512-34.6% | $5,608-47.4% | $4,645-36.5% |