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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 | $63,624 | $69,977-9.1% | $108,582-41.4% | $62,881+1.2% |
| Participation rate | 98.1% | 72.9%+25.2pp | 79.6%+18.5pp | 69.3%+28.8pp |
| Annual return | 9.17% | 10.73%-1.6pp | -51.70%+60.9pp | 20.14%-11.0pp |
| Employer contribution / active EE | $2,488 | $2,135+16.5% | $3,758-33.8% | $2,281+9.1% |
| Participant deferral / active EE | $5,395 | $3,165+70.5% | $4,311+25.1% | $3,203+68.4% |
| Admin fee / account holder | $845 | $5,076-83.4% | $7,645-89.0% | $4,296-80.3% |