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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 | $61,279 | $76,551-19.9% | $123,894-50.5% | $62,881-2.5% |
| Participation rate | 86.7% | 73.0%+13.7pp | 81.4%+5.3pp | 69.3%+17.4pp |
| Annual return | 7.07% | 18.68%-11.6pp | 47.52%-40.4pp | 20.14%-13.1pp |
| Employer contribution / active EE | $1,831 | $2,882-36.5% | $4,617-60.3% | $2,281-19.7% |
| Participant deferral / active EE | $3,517 | $4,840-27.3% | $5,984-41.2% | $3,203+9.8% |
| Admin fee / account holder | $3,239 | $4,826-32.9% | $8,357-61.2% | $4,296-24.6% |