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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 | $89,532-32.3% | $103,447-41.4% | $80,925-25.1% |
| Participation rate | 78.0% | 76.0%+2.0pp | 80.5%-2.5pp | 67.7%+10.4pp |
| Annual return | 12.57% | 22.80%-10.2pp | 23.92%-11.3pp | 35.65%-23.1pp |
| Employer contribution / active EE | $2,218 | $4,023-44.9% | $4,678-52.6% | $2,756-19.5% |
| Participant deferral / active EE | $7,657 | $5,459+40.3% | $6,624+15.6% | $4,299+78.1% |
| Admin fee / account holder | $1,545 | $6,774-77.2% | $9,415-83.6% | $6,940-77.7% |