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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 | $60,727 | $126,661-52.1% | $113,397-46.4% | $138,895-56.3% |
| Participation rate | 85.7% | 79.4%+6.3pp | 76.5%+9.2pp | 79.9%+5.8pp |
| Annual return | 17.31% | 25.05%-7.7pp | 23.20%-5.9pp | 145.39%-128.1pp |
| Employer contribution / active EE | $1,297 | $3,456-62.5% | $2,977-56.4% | $4,194-69.1% |
| Participant deferral / active EE | $5,416 | $5,693-4.9% | $5,076+6.7% | $6,396-15.3% |
| Admin fee / account holder | $2,439 | $14,549-83.2% | $11,957-79.6% | $12,562-80.6% |