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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 | $59,699 | $72,492-17.6% | $87,104-31.5% | $72,975-18.2% |
| Participation rate | 79.0% | 72.8%+6.2pp | 76.9%+2.2pp | 69.5%+9.5pp |
| Annual return | 21.12% | 24.46%-3.3pp | 28.19%-7.1pp | 81.01%-59.9pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,699 | $3,270+43.7% | $4,048+16.1% | $3,608+30.2% |
| Admin fee / account holder | $8,438 | $5,055+66.9% | $7,491+12.6% | $5,124+64.7% |