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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 | $62,675 | $60,352+3.8% | $74,185-15.5% | $62,881-0.3% |
| Participation rate | 83.9% | 72.7%+11.2pp | 76.6%+7.3pp | 69.3%+14.6pp |
| Annual return | 11.85% | 21.37%-9.5pp | 17.74%-5.9pp | 20.14%-8.3pp |
| Employer contribution / active EE | $674 | $1,680-59.9% | $2,370-71.5% | $2,281-70.4% |
| Participant deferral / active EE | $3,494 | $2,856+22.3% | $3,550-1.6% | $3,203+9.1% |
| Admin fee / account holder | $1,580 | $4,261-62.9% | $5,586-71.7% | $4,296-63.2% |