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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 | $65,939 | $106,864-38.3% | $147,318-55.2% | $82,637-20.2% |
| Participation rate | 81.0% | 75.5%+5.5pp | 82.1%-1.0pp | 68.1%+13.0pp |
| Annual return | 20.11% | 27.49%-7.4pp | 70.43%-50.3pp | 53.51%-33.4pp |
| Employer contribution / active EE | $3,305 | $3,417-3.3% | $4,593-28.0% | $2,552+29.5% |
| Participant deferral / active EE | $6,623 | $6,496+2.0% | $7,906-16.2% | $4,126+60.5% |
| Admin fee / account holder | $1,055 | $8,415-87.5% | $13,708-92.3% | $7,339-85.6% |