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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 | $59,183 | $58,851+0.6% | $115,167-48.6% | $72,976-18.9% |
| Participation rate | 83.8% | 65.5%+18.2pp | 75.9%+7.9pp | 69.5%+14.3pp |
| Annual return | 19.36% | 23.16%-3.8pp | 35.60%-16.2pp | 81.02%-61.7pp |
| Employer contribution / active EE | $1,683 | $1,798-6.4% | $3,179-47.1% | $2,440-31.0% |
| Participant deferral / active EE | $3,368 | $2,643+27.4% | $4,169-19.2% | $3,608-6.7% |
| Admin fee / account holder | $7,526 | $6,370+18.2% | $7,089+6.2% | $5,124+46.9% |