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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 | $81,331-24.7% | $155,534-60.6% | $80,935-24.4% |
| Participation rate | 95.3% | 66.3%+29.1pp | 78.2%+17.1pp | 67.7%+27.7pp |
| Annual return | 15.63% | 33.37%-17.7pp | 64.92%-49.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,063 | $3,105-33.6% | $4,675-55.9% | $2,757-25.2% |
| Participant deferral / active EE | $4,444 | $3,454+28.6% | $5,630-21.1% | $4,299+3.4% |
| Admin fee / account holder | $554 | $7,999-93.1% | $15,900-96.5% | $6,924-92.0% |