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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 | $60,918 | $67,602-9.9% | $82,312-26.0% | $70,126-13.1% |
| Participation rate | 93.8% | 72.8%+21.1pp | 76.9%+17.0pp | 69.5%+24.3pp |
| Annual return | 18.71% | 21.57%-2.9pp | 25.88%-7.2pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,193 | $1,755-32.0% | $2,428-50.9% | $2,343-49.1% |
| Participant deferral / active EE | $5,537 | $2,987+85.4% | $3,706+49.4% | $3,332+66.2% |
| Admin fee / account holder | $1,311 | $4,512-70.9% | $5,608-76.6% | $4,645-71.8% |