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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 | $60,623 | $67,602-10.3% | $82,312-26.3% | $70,126-13.6% |
| Participation rate | 90.9% | 72.8%+18.1pp | 76.9%+14.0pp | 69.5%+21.4pp |
| Annual return | 14.62% | 21.57%-6.9pp | 25.88%-11.3pp | 73.15%-58.5pp |
| Employer contribution / active EE | $2,509 | $1,755+43.0% | $2,428+3.3% | $2,343+7.1% |
| Participant deferral / active EE | $5,001 | $2,987+67.4% | $3,706+34.9% | $3,332+50.1% |
| Admin fee / account holder | $1,130 | $4,512-75.0% | $5,608-79.9% | $4,645-75.7% |