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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 | $61,210 | $81,233-24.6% | $155,567-60.7% | $80,874-24.3% |
| Participation rate | 95.3% | 66.2%+29.1pp | 78.2%+17.2pp | 67.6%+27.7pp |
| Annual return | 15.63% | 33.33%-17.7pp | 64.74%-49.1pp | 35.62%-20.0pp |
| Employer contribution / active EE | $2,063 | $3,101-33.5% | $4,674-55.9% | $2,756-25.1% |
| Participant deferral / active EE | $4,444 | $3,452+28.7% | $5,628-21.0% | $4,297+3.4% |
| Admin fee / account holder | $554 | $7,998-93.1% | $15,916-96.5% | $6,935-92.0% |