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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 | $53,433 | $79,894-33.1% | $135,792-60.7% | $82,637-35.3% |
| Participation rate | 72.7% | 63.0%+9.7pp | 72.6%+0.1pp | 68.1%+4.7pp |
| Annual return | 12.66% | 17.20%-4.5pp | 25.96%-13.3pp | 53.51%-40.9pp |
| Employer contribution / active EE | $1,722 | $2,165-20.5% | $3,496-50.7% | $2,552-32.5% |
| Participant deferral / active EE | $3,692 | $3,194+15.6% | $4,759-22.4% | $4,126-10.5% |
| Admin fee / account holder | $1,226 | $6,434-80.9% | $12,266-90.0% | $7,339-83.3% |