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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 | $60,652 | $89,515-32.2% | $103,065-41.2% | $80,959-25.1% |
| Participation rate | 78.0% | 76.0%+2.0pp | 80.6%-2.5pp | 67.7%+10.4pp |
| Annual return | 12.57% | 22.82%-10.2pp | 23.95%-11.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,218 | $4,015-44.8% | $4,675-52.6% | $2,757-19.6% |
| Participant deferral / active EE | $7,657 | $5,463+40.2% | $6,625+15.6% | $4,300+78.0% |
| Admin fee / account holder | $1,545 | $6,527-76.3% | $9,349-83.5% | $6,925-77.7% |