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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 | $65,783 | $48,078+36.8% | $78,676-16.4% | $62,881+4.6% |
| Participation rate | 72.0% | 65.2%+6.8pp | 73.6%-1.6pp | 69.3%+2.7pp |
| Annual return | 7.56% | 31.36%-23.8pp | 62.19%-54.6pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,701 | $2,015-15.5% | $2,850-40.3% | $2,281-25.4% |
| Participant deferral / active EE | $1,832 | $2,587-29.2% | $3,517-47.9% | $3,203-42.8% |
| Admin fee / account holder | $809 | $3,206-74.8% | $4,510-82.1% | $4,296-81.2% |