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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 | $67,101 | $78,015-14.0% | $178,505-62.4% | $80,959-17.1% |
| Participation rate | 96.4% | 65.7%+30.8pp | 77.1%+19.3pp | 67.7%+28.8pp |
| Annual return | 13.85% | 18.10%-4.3pp | 27.16%-13.3pp | 35.67%-21.8pp |
| Employer contribution / active EE | $5,088 | $2,281+123.0% | $3,955+28.6% | $2,757+84.5% |
| Participant deferral / active EE | $1,967 | $4,406-55.4% | $6,280-68.7% | $4,300-54.3% |
| Admin fee / account holder | $1,318 | $7,160-81.6% | $10,428-87.4% | $6,925-81.0% |