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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 | $65,888 | $106,524-38.1% | $152,301-56.7% | $87,485-24.7% |
| Participation rate | 81.8% | 75.8%+6.1pp | 82.4%-0.6pp | 68.9%+12.9pp |
| Annual return | 16.33% | 26.89%-10.6pp | 80.50%-64.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $3,423 | $3,371+1.5% | $4,624-26.0% | $2,596+31.9% |
| Participant deferral / active EE | $9,435 | $6,525+44.6% | $8,004+17.9% | $4,274+120.8% |
| Admin fee / account holder | $8,456 | $8,287+2.0% | $14,398-41.3% | $7,775+8.8% |