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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 | $60,355 | $81,233-25.7% | $155,567-61.2% | $80,874-25.4% |
| Participation rate | 70.0% | 66.2%+3.8pp | 78.2%-8.2pp | 67.6%+2.4pp |
| Annual return | 19.64% | 33.33%-13.7pp | 64.74%-45.1pp | 35.62%-16.0pp |
| Employer contribution / active EE | $3,361 | $3,101+8.4% | $4,674-28.1% | $2,756+22.0% |
| Participant deferral / active EE | $7,766 | $3,452+125.0% | $5,628+38.0% | $4,297+80.7% |
| Admin fee / account holder | $667 | $7,998-91.7% | $15,916-95.8% | $6,935-90.4% |