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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 | $61,430 | $93,617-34.4% | $135,982-54.8% | $75,177-18.3% |
| Participation rate | 84.4% | 75.2%+9.2pp | 81.9%+2.5pp | 67.2%+17.2pp |
| Annual return | 19.05% | 30.89%-11.8pp | 68.32%-49.3pp | 160.75%-141.7pp |
| Employer contribution / active EE | $2,471 | $3,538-30.2% | $4,859-49.1% | $2,671-7.5% |
| Participant deferral / active EE | $7,041 | $6,406+9.9% | $7,760-9.3% | $4,126+70.6% |
| Admin fee / account holder | $815 | $6,980-88.3% | $10,767-92.4% | $5,651-85.6% |